河南省数字普惠金融对农村居民收入的影响研究

Research on the Impact of Digital Inclusive Finance on the Income of Rural Residents in Henan Province

摘要: “5G”网络、移动支付、网上银行等互联网技术与金融深入契合，河南省数字普惠金融优势展现，其低门槛优势与减贫效应为乡村产业资金需求提供多元路径，促进农民增收。数字普惠金融发展存在区域性，农村地区数字金融基础设施及村民金融素养存在提升空间。本文通过固定效应模型实证发现：1) 数字普惠金融低准入性有效改善金融市场中城乡资金流向不对称性。2) 激励效应促进金融市场化，数字普惠金融促进了商业银行等金融机构的数字化转型，加速金融市场化。3) 减贫效应。乡村产业发展金融支持机制不断完善，实现巩固脱贫攻坚成果与乡村振兴有效衔接。因此，研究数字普惠金融对农村居民收入的作用机制具有重要的科学内涵。

Abstract: Internet technologies such as “5G” networks, mobile payment, and online banking are deeply integrated with finance, and the advantages of digital inclusive finance in Henan Province are demonstrated, and its low-threshold advantages and poverty alleviation effects provide multiple paths for rural industrial capital needs and promote farmers’ income. The development of digital inclusive finance is regional, and there is room for improvement in the digital financial infrastructure and financial literacy of villagers in rural areas. Through the empirical results of the fixed-effect model, this paper finds that: 1) The low access of digital inclusive finance effectively improves the asymmetry of urban and rural capital flows in the financial market. 2) The incentive effect promotes financial marketization, and digital inclusive finance promotes the digital transformation of commercial banks and other financial institutions, and accelerates the financial marketization. 3) Poverty alleviation effect. The financial support mechanism for rural industry development has been continuously improved, and the effective connection between consolidating the achievements of poverty alleviation and rural revitalization has been realized. Therefore, it is important to study the mechanism of digital inclusive finance on the income of rural residents.