数字普惠金融对农民增收的影响机制及空间效应研究OA

Based on provincial panel data between 2011 and 2023,this study employs fixed-effects models,a two-step mediation effect approach,and a spatial Durbin model to investigate the impact mechanism and spatial effects of digital inclusive finance on farmers'income growth.The results show that digital inclusive finance significantly promotes farmers'income.For every one-unit increase in digital inclusive finance,farmers'income increases by 0.311 units.Analysis of the impact pathways reveals that digital inclusive finance boosts farmers'income through payment methods,credit availability,agricultural technology innovation,and income distribution channels,with payment methods exhibiting the most pronounced effect.Spatial effect analysis demonstrates that the development of local digital inclusive finance exerts a negative"siphon effect"on farmers'income in neighboring regions.Heterogeneity analysis further reveals regional disparities in the impact of digital inclusive finance on farmers'income growth with the most significant effect observed in the eastern region.Accordingly,it is recommended to continuously expand the coverage and depth of digital inclusive finance,promote deeper collaboration between finance and technology,strengthen regional cooperation,and formulate tailored digital inclusive finance development strategies to collectively foster farmers'income growth.