现代农业2025，Vol.50Issue(6)：1-16,16.
乡村振兴背景下数字普惠金融赋能农民增收的空间溢出效应及门槛效应
Spatial Spillover Effect and Threshold Effect of Digital Inclusive Finance Empowering Farmers' Income Growth under the Background of Rural Revitalization
摘要
Abstract
Under the context of promoting comprehensive rural revitalization,digital inclusive finance,with its low threshold,wide coverage,and high efficiency,has become a core driving force to break through the spatiotemporal limitations of traditional finance,solve the financial exclusion of farmers,stimulate farmers' enthusiasm for entrepreneurship and employment,and increase farmers' income.Based on the provincial panel data of 31 provinces,autonomous regions,and municipalities(directly under the central government)in China(excluding Hong Kong,Macao and Taiwan)from 2014 to 2023,this paper constructed a spatial econometric model and a threshold effect model to empirically test the spatial spillover effect and threshold effect of digital inclusive finance on farmers' income growth.The results showed that:digital inclusive finance significantly promoted local farmers' income growth,and this effect was mainly reflected through the dimension of the coverage breadth of digital inclusive finance.However,due to the siphoning effect,it had a negative spatial spillover effect on the income of farmers in neighboring areas.The robustness test,conducted by winsorizing the variables at the 5％level on both sides,also strengthened the above conclusion.Further research revealed a significant nonlinear relationship between digital inclusive finance and farmers' income growth.By treating digital inclusive finance as the threshold variable and constructing a double-threshold model,it was found that the impact of digital inclusive finance on farmers' income growth showed a nonlinear trend of increasing marginal effect.Based on the research results,the article proposed suggestions and countermeasures to promote farmers' income growth from the perspectives of improving digital infrastructure construction,innovating financial products and services suitable for agricultural production scenarios and farmers' needs,enhancing farmers' digital financial literacy,and strengthening government supervision and coordination.关键词
数字普惠金融/农民增收/空间溢出效应/门槛效应Key words
digital inclusive finance/farmers' income growth/spatial spillover effect/threshold effect分类
管理科学引用本文复制引用
王慧敏..乡村振兴背景下数字普惠金融赋能农民增收的空间溢出效应及门槛效应[J].现代农业,2025,50(6):1-16,16.基金项目
江苏财经职业技术学院校级科研青年项目"数字普惠金融与农民收入的空间门槛效应研究"(2025XJQ08). （2025XJQ08）
