【作者】 杨超；

【导师】 崔宇明；

【作者基本信息】 山东大学 ， 金融（专业学位）， 2021， 硕士

【副题名】基于41个城市的面板数据分析

【摘要】 现如今,金融与科技发展的结合开创了普惠金融数字化发展的崭新模式——数字普惠金融模式。数字普惠金融具有服务成本低、风控能力高等传统金融无法比拟的优点,在促进农村金融服务生态环境改善等方面起了重要作用。长三角地区整体经济社会发展基础好,因此数字普惠金融在其农村地区的发展也领先于全国其他地区。因此本文以长三角地区为样本深入研究数字普惠金融对农民收入的影响,对于巩固脱贫攻坚和全面小康的宝贵成果,对于探索可持续的乡村振兴发展道路都极具参考价值和意义。在理论部分,本文首先对涉及居民收入、数字普惠金融概念研究、指数编制情况等方面的文献进行了详细梳理;紧接着对传统的金融发展理论、收入分配理论等基础理论进行了归纳总结;然后在理论分析的基础上结合数字普惠金融模式的优势概括归纳了其对农民收入水平影响的具体途径及作用机制;最后本文又对长三角的数字普惠金融发展及农民收入的现状及特征进行了总体及分区域的深度分析。结合理论分析部分,文章提出了三个研究假设。在实证模块,本文采取整理所得的2011-2018年长三角地区(41个城市)的农民收入水平数据和北京大学数字普惠金融指数,建立了面板实证分析模型,在进行了总样本的实证检验之后,又进行了解释变量分维度检验和分区域的异质性检验——旨在更精准地分析数字普惠金融与长三角农民收入水平之间的关系。本文研究发现:(1)全样本结果表明长三角区域范围内,数字普惠金融发展,经济发展,财政支出等都能提高该地农村居民收入水平。(2)就分维度实证检验结果来看,数字普惠金融的不同维度均能促进长三角农民收入水平的增长,但是各维度的影响力度不同。(3)分区域异质性检验表明:由于经济基础不同和数字普惠金融整体水平各异,数字普惠金融对各地农民收入影响也不尽相同。针对以上结论,本文提出四条建议:(1)提升数字普惠金融基建水平,提高数字化程度。(2)推动数字普惠金融宣传教育,扩大金融服务广度。(3)加强数字普惠金融产品创新,提升金融服务深度。(4)健全数字普惠金融监管体系,维护金融体系稳定。更多还原

【Abstract】 Nowadays,a new pattern of inclusive financial development——"Digital Inclusion Financial" mode,with the combination of financial and information technology,has been created.traditional finance can not achieve the low cost,high risk control level and other advantages,but digital inclusion finance certainly can.In many areas,such as ameliorating rural financial ecology,this new fresh road has played a significant role.Thanks to the economy flourishing,the Yangtze River Delta provides a demonstration and benchmark for the countryside digital inclusion financial development of other regions in our country.Hence we select the Yangtze River Delta as our thesis research sample to probe the connection between digital inclusive finance and peasant’ income,which is obviously of great reference significance for the strengthening of the well-off society’ triumph and the exploring of the rural revitalization path.At the theories part,this thesis give a detailed review firstly about the literature on resident income,the concept of digital inclusive finance and the compilation of its index;An all-round summary that contains "Financial Development Theory","Income Distribution Theory" and other classic basic principles was followed in this dissertation;Based on the above,the concrete function paths of digital inclusive finance on peasant income,according to its competitiveness,has been analyzed.This article finally also made a comparative analysis on the existing circumstances of digital inclusive finance and characteristics of peasant’ income in the Yangtze River Delta,respectively.Three research hypotheses were proposed after that as the starting point on the studyIn the empirical section,the data of peasant’ earning in Yangtze River Delta(41 cities)and the digital inclusive financial index of Peking University(2011-2018)were used for the empirical model which has been structured.3 model checking were carried out for the sake of accuracy in this study,They are respectively regression checking of total samples,empirical on digital inclusive finance index’ dimensions and regional heterogeneity experimentThere are correspondingly three conclusions:(1)Digital inclusive finance,economic prosperity and fiscal expenditure,based upon overall empirical outcome,can all be beneficial to the earning of rural residents in the Yangtze River Delta.(2)In the Yangtze River Delt,the peasant’ income was positive related to all 3 dimensions of digital inclusive finance,on the basis of sub dimensions empirical,but each dimension effects were varies.(3)Due to the diverse evolutions of economic base and digital inclusive finance in each regions,the intensity of their impact upon peasant’ income condition was also different,which concludes the regionalization heterogeneity experiment.Four prudent advocacies for the conclusions above,as follows:(1)Raising the level of digital inclusive finance’ infrastructure,to enhance the degree of digitization.(2)promoting dissemination and education on digital financial inclusion,extending the range of financial services.(3)boosting the innovation of digital inclusive financial products and deepening the depth of financial services.(4)Perfecting the digital inclusive financial regulatory system to maintain the financial system stability.更多还原