数字普惠金融、非农就业与农户增收——基于中介效应模型的实证分析
作者:
作者单位:

1.南京农业大学金融学院;2.河海大学商学院

作者简介:

通讯作者:

中图分类号:

基金项目:

江苏省委农办、省农业农村厅乡村振兴软科学研究课题(21ASS058)


Digital inclusive finance, non-agricultural employment, and farmers’ income growth: Empirical analysis based on the mediation effect model
Author:
Affiliation:

1.College of Finance, Nanjing Agricultural University;2.College of Business, Hohai University

Fund Project:

Soft Science Research Project on Rural Revitalization of Jiangsu Provincial Agricultural Office and Provincial Department of Agriculture and Rural Areas (21ASS058).

  • 摘要
  • |
  • 图/表
  • |
  • 访问统计
  • |
  • 参考文献
  • |
  • 相似文献
  • |
  • 引证文献
  • |
  • 资源附件
  • |
  • 文章评论
    摘要:

    探究数字普惠金融对农户收入的影响与作用机制,对推进农村金融发展、农户增收和共享经济增长红利具有重要意义。基于2014年、2016年和2018年中国家庭追踪调查(CFPS)和北京大学数字普惠金融指数匹配的面板数据,分析数字普惠金融对农户增收的影响,并运用中介效应模型,探究数字普惠金融对农户增收的作用机制。结果表明,农村地区间数字普惠金融发展不均,农户间收入水平存在较大差距,部分农户收入尚处于较低水平。48.0%的农户非农就业水平为0,推进农村劳动力非农转移仍是一项严峻任务。数字普惠金融、非农就业均正向促进农户收入增加,非农就业水平是数字普惠金融影响农户收入的重要渠道,中介效应占比为3.507%。另外,相较于财富较多的农户,数字普惠金融对财富较少农户的增收效应更为明显。因此,建议完善农村地区数字化建设,为不同农户精准提供数字金融产品;鼓励引导使用数字金融产品,推动数字普惠金融均衡发展;提高农户非农就业水平,进而带动农户收入增加。

    Abstract:

    Exploring the impacts and the mechanism of digital inclusive finance on farmers’ income growth is of great significance to promote rural financial development, to increase farmers’ income, and to share the dividend of economic development. Based on a panel data from the China Household Tracking Survey (CFPS) and the Peking University Digital Inclusive Finance Index in 2014, 2016 and 2018, this paper analyzed the impacts and the mechanism of digital inclusive finance on farmers’ income growth by the intermediary effect model. Results show that the development of digital inclusive finance in rural areas is unbalanced and there is a large gap among farmers with different income levels. This research also finds that 48.0% of farmers’ non-agricultural employment level is 0, indicating that promoting non-agricultural transfer of rural labor force is still a challenging task. Both digital inclusive finance and non-agricultural employment are positively promoting the growth of farmers’ income. Non-agricultural employment level is an important channel for digital inclusive finance to affect farmers’ income, and the intermediary effect accounts for 3.507%. In addition, compared with farmers with more wealth, the income increasing effect of digital inclusive finance on farmers with less wealth is more obvious. Therefore, to increase farmers’ income, this paper suggests: improving digital construction in rural areas, providing accurate digital financial products for different farmers, encouraging and guiding the use of digital financial products, promoting balanced development of digital inclusive finance, and improving non-agricultural employment level of farmers.

    参考文献
    相似文献
    引证文献
引用本文

张兵,李娜. 数字普惠金融、非农就业与农户增收——基于中介效应模型的实证分析[J]. 农业现代化研究, 2022, 43(2): 249-260
ZHANG Bing, LI Na. Digital inclusive finance, non-agricultural employment, and farmers’ income growth: Empirical analysis based on the mediation effect model[J]. Research of Agricultural Modernization, 2022, 43(2): 249-260

复制
分享
文章指标
  • 点击次数:
  • 下载次数:
  • HTML阅读次数:
  • 引用次数:
历史
  • 收稿日期:2021-10-05
  • 最后修改日期:2022-01-13
  • 录用日期:2022-01-13
  • 在线发布日期: 2022-04-21
  • 出版日期:
您是第位访问者
版权所有:《农业现代化研究》编辑部
地址:湖南省长沙市芙蓉区远大二路644号 邮编:410125
电话:0731-84615231    E-mail:nyxdhyj@isa.ac.cn
技术支持:北京勤云科技发展有限公司