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.pdf

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 : .
网络首发时间：2022-01-27 14:08:07
网络首发地址is based on the mediation effect model
ZHANG Bing1, 2, LI Na1
（1. College of Finance, Nanjing Agricultural University, Nanjing, Jiangsu 210095, China; 2. College of Business,
Hohai University, Nanjing, Jiangsu 210098, China）
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 % 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 %. In
addition, compared with farmers with more wealth, the income increasing effect of digital inclusive finance on farmers
with less wealth is more obvious. T