数字普惠金融对农村居民收入的影响分析

Impact Analysis of Digital Financial Inclusion on Rural Household Income

摘要: 近年来我国数字普惠金融发展迅速，有效改善农村金融服务与资源配置，促进农民增收。本文基于2011~2022年全国31个省级行政区的面板数据，借助北大数字普惠金融指数构建模型进行实证检验，结果表明数字普惠金融对农民增收存在显著正向影响，并通过提升金融服务可得性、丰富金融产品供给等渠道发挥作用。研究结论可为相关政策制定提供一定的价值参考。

Abstract: In recent years, China has witnessed rapid development in digital inclusive finance, which has effectively improved rural financial services and resource allocation and promoted farmers’ income growth. Based on the panel data of 31 provincial-administrative regions in China from 2011 to 2022, this paper constructs a model with the help of the Peking University Digital Inclusive—Finance Index for empirical testing. The results show that digital inclusive finance has a significant positive impact on farmers’ income growth and exerts its influence through channels such as enhancing the availability of financial services and enriching the supply of financial products. The research findings can provide valuable references for the formulation of relevant policies.