数字普惠金融对农村家庭相对贫困影响效应——基于宁夏的农户调研数据
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作者单位:

1.北方民族大学经济学院;2.民族地区相对贫困治理研究中心

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基金项目:

宁夏自然科学基金项目(2021AAC03066);北方民族大学学术拔尖人才项目(2019BGBS04);北方民族大学研究生创新项目(YCX21075)


The effect of digital financial inclusion on the relative poverty of rural households: Based on a survey data of farmers in Ningxia
Author:
Affiliation:

1.School of Economics, North Minzu University;2.Research Center for the Governance of Relative Poverty in Ethnic Regions

Fund Project:

Ningxia Natural Science Foundation (2021AAC03066); Top Academic Talents Project of North Minzu University (2019BGBS04); Graduate Innovation Project of North Minzu University (YCX21075).

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    摘要:

    随着绝对贫困的全面消除,我国将进入以相对贫困治理为核心的扶贫工作新阶段,发挥数字普惠金融减缓相对贫困的效应至关重要。本文利用宁夏3县区9村426户田野调查数据,运用熵值法、A-F法、Logit模型和中介效应模型,在测算数字普惠金融指数和识别多维相对贫困家庭的基础上,分析数字普惠金融对农村家庭多维相对贫困的影响效应,探讨其影响机制。结果表明,宁夏农村地区经济维度的“贫”已基本得到消除,但健康、教育、安全饮水和卫生厕所等因素导致的相对之“困”依然严峻。农户在数字普惠金融的结算、储蓄和信贷服务已有部分涉及,但对互联网投资、互联网保险等深层次金融业务的参与尚且较低。数字普惠金融对不同权重下的相对贫困均有显著的减缓作用,并且随着剥夺维度提升其减贫作用呈增长态势。数字普惠金融可以通过提高农户电商意愿及行为、增强健康意识、促进消费进而达到缓解相对贫困之目的。因此,为减缓宁夏农村家庭相对贫困状况,需注重农户自我发展能力提升与农村生活标准改善,深化农户数字普惠金融使用深度,充分发挥数字普惠金融的减贫助农作用等。

    Abstract:

    With the elimination of absolute poverty, China is facing the challenge of alleviating relative poverty. It is crucial to develop digital inclusive finance to help reduce relative poverty. Based on a field survey data of 426 households in 3 counties and 9 villages in Ningxia and applying the entropy method and the A-F method, this paper analyzed the impacts of digital inclusive finance on multidimensional relative poverty of rural households and its influential mechanism by the Logit model and the mediation effect model. Results show that: Ningxia has basically eliminated the poverty (pin) on economic dimension, but there were serious relative poverty problems (kun), including health, education, drinking water safety, and toilets. Rural households have been partly involved in the settlement, savings, and credit services of digital inclusive finance, but their participation in deep financial services, such as Internet investment and Internet insurance, was still relatively low. Digital inclusive finance had a significant alleviating effect on relative poverty under different weights, and its poverty reduction effect was increasing with the improvement of deprivation dimension. Digital inclusive finance can alleviate relative poverty by improving farmers’ e-commerce willingness and behaviors, enhancing health awareness and promoting consumption. Therefore, to alleviate the relative poverty of rural households in Ningxia, this paper suggests: to pay attention to the improvement of farmers’ self-development ability and rural living standards, to deepen the depth of digital inclusive finance, and to give a full play to the role of digital inclusive finance in poverty reduction and agricultural assistance.

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  • 收稿日期:2021-04-14
  • 最后修改日期:2021-07-25
  • 录用日期:2021-07-26
  • 在线发布日期: 2021-09-03
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