金融学院知识库

  三农工作的中心任务始终是增加农民收入，这也是乡村振兴的核心内容，党中央一贯高度重视农民增收问题，出台了一系列相关的政策举措。2025年中央一号文件也强调了要积极推动金融机构加大对乡村振兴领域资金的投放力度，实现农民收入增加，农业基础稳固，农村经济发展的目标。数字普惠金融的崛起为解决农村居民收入增长困境探索出了一条新途径。借助移动互联网、大数据分析及数字化革新，传统金融服务的地理局限被重新界定，服务范围跨越地域障碍，延伸至更辽阔的乡村地带，让农村居民能够更轻松地触及金融服务。此举一方面有助于减轻农村居民面临的金融边缘化现象，另一方面，通过提升金融服务的普及度和利用效率，有效促进了农村居民收入增长。当数字普惠金融与农村经济实现深度融合时，它将为解决农村经济前行路上的重重挑战与瓶颈提供有力工具，推动农村经济步入更加优质的发展阶段，进一步促进农村居民收入与产量的双重提升。考虑到西部地区所占据的关键战略位置及其蕴含的巨大发展潜力，细致分析西部地区数字普惠金融与农村居民收入水平之间的相互作用，对于引领西部地区迈向经济发展新台阶、促进居民收入稳步增长，具有举足轻重的意义。

基于上述背景，本文首先研读了大量数字普惠金融与农村居民收入的国内外文献综述，明确界定了两者的概念范畴，并探讨了它们之间相互作用的内在机理。随后，研究选取了2013至2022年间西部地区十个省份及自治区的85个地级市作为研究样本，构建面板数据集。通过基准回归模型，深入分析了俩者之间的线性关系。进一步地，通过将核心解释变量细化为数字普惠金融的三个具体维度，展开了更为深入的分析，以期揭示这些子维度与农村居民收入之间的深层次联系。研究结果表明，数字普惠金融对提升我国西部地区农村居民收入具有显著作用， 基于以上发现，研究提出了针对我国西部地区的几点对策建议：第一，加大数字普惠金融宣传力度，提高金融服务在农村的覆盖广度；第二，推动数字普惠金融产品创新，提升金融服务在农村的使用深度；第三，完善数字普惠金融基础设施，深化金融服务在农村的数字化转型；第四，因地制宜，制定差异化的数字普惠金融政策；第五，发挥经济增长的中介作用，推动数字普惠金融发展。

        The central task of the work of agriculture, rural areas and farmers has always been to increase farmers' income, which is also the core content of Rural Revitalization. The Party Central Committee has always attached great importance to the issue of increasing farmers' income and issued a series of related policies and measures. The No.1 document of the Central Committee in 2025 also emphasizes the need to actively promote financial institutions to increase investment in the field of rural revitalization, so as to achieve the goals of increasing farmers' income, stabilizing agricultural foundation and developing rural economy. The rise of digital Inclusive Finance has explored a new way to solve the dilemma of income growth of rural residents. With the help of mobile Internet, big data analysis and digital innovation, the geographical limitations of traditional financial services have been redefined, and the scope of services has been extended across regional barriers to broader rural areas, so that rural residents can more easily access financial services. On the one hand, this will help to reduce the financial marginalization faced by rural residents, on the other hand, it will effectively promote the income growth of rural residents by improving the popularization and utilization efficiency of financial services. When digital Inclusive Finance is deeply integrated with the rural economy, it will provide a powerful tool to solve the challenges and bottlenecks on the road ahead of the rural economy, promote the rural economy to enter a higher quality stage of development, and further promote the double increase of rural residents' income and output. Considering the key strategic position occupied by the western region and its huge development potential, a detailed analysis of the interaction between digital Inclusive Finance and the income level of rural residents in the western region is of great significance for leading the western region to a new level of economic development and promoting the steady growth of residents'income.

Based on the above background, this paper first studies a large number of domestic and foreign literature reviews on digital Inclusive Finance and rural residents' income, clearly defines the concept of the two categories, and discusses the internal mechanism of their interaction. Subsequently, 85 prefecture level cities in 10 provinces and autonomous regions in the western region from 2013 to 2022 were selected as research samples to construct panel data sets. Through the benchmark regression model, the linear relationship between the two is deeply analyzed. Further, by subdividing the core explanatory variables into three specific dimensions of digital Inclusive Finance, a more in-depth analysis is carried out in order to reveal the deep relationship between these sub dimensions and the income of rural residents. The results show that digital inclusive finance plays a significant role in increasing the income of rural residents in Western China, and this impact is more obvious in Southwest China than in Northwest China. Based on the above findings, the study puts forward several countermeasures and suggestions for the western region of China: first, strengthen the publicity of digital Inclusive Finance and improve the coverage of financial services in rural areas; Second, promote the innovation of digital inclusive financial products and enhance the depth of the use of financial services in rural areas; Third, improve the digital inclusive financial infrastructure and deepen the digital transformation of financial services in rural areas; Fourthly, we should formulate differentiated digital inclusive financial policies according to local conditions; Fifth, give full play to the intermediary role of economic growth and promote the development of digital Inclusive Finance.