数字普惠金融的发展为乡村可持续脱贫及落实共同富裕目标提供了新思路.选取全国 31 个省份 2011-2020 年的面板数据,构建面板固定效应模型、中介效应模型及门槛模型分析数字普惠金融助力农民增收减贫的机理和效应.结果表明:数字普惠金融可以显著促进农民增收减贫.数字普惠金融对增收减贫的间接助力作用来自其对经济增长的促进和收入分配差距的调节,其中收入分配的中介效应更大.数字普惠金融对增收减贫的影响呈非线性变化,随着数字普惠金融跨越门槛值,增收减贫的边际效应递减.由此,针对数字普惠金融助力增收减贫效果的提升提出优化意见.
The development of digital inclusive finance provides new ideas for sustainable poverty alleviation and implementation of the goal of common prosperity in rural areas.Panel data of 31 provinces across China from 2011-2020 were selected to construct panel fixed-effects models,mediating-effects models and threshold models to analyze the mechanisms and effects of digital inclusive finance to help farmers increase their income and reduce poverty.The results show as follows:First,digital financial inclusion can significantly contribute to increasing Farmers' income and reducing poverty.Second,the indirect contribution of digital inclusive finance to income generation and poverty reduction comes from its contribution to economic growth and the regulation of income distribution gap,with the mediating effect of income distribution being greater.Third,the impact of digital financial inclusion on income increase and poverty reduction shows a nonlinear change.As digital financial inclusion crosses the threshold value,the marginal effect of income increases and poverty reduction decreases.Therefore,suggestions are put forward to improve the effect of digital inclusive finance to increase income and reduce poverty.