数字普惠金融与乡村包容性增长关系探究
Research on the Relationship between Digital Inclusive Finance and Rural Inclusive Growth

数字普惠金融是促进经济包容性增长创新路径，这已成为学界共识。2020年时我国全面建成小康社会、十三五、脱贫攻坚等战略的收官之年，那么总结归纳数字普惠金融促进乡村经济包容性增长取得了哪些成就、其传导机制如何以及后续尚需进一步研究的方向何在，就显得十分必要。为此，本文选取我国贫困发生率、乡城人口收支绝对和相对差额，以及乡城居民收入结构三个方面总结了我国乡村包容性增长状况，然后从数字普惠金融的直接经济效应、间接经济效应分析了促进乡村经济包容增长的传导机制，最后从二者的交互耦合效应、多元化主体参与和微观机制提出了研究展望和反思。
As we known, digital inclusive finance is an innovative path to promote inclusive economic growth. And the 2020 year is the end of China’s strategy of building a moderately prosperous society in an all-round way, the 13th five year plan, and poverty alleviation. It is necessary to summarize what achievements have been made in promoting inclusive growth of rural economy by digital inclusive finance, what is the transmission mechanism, and where further research is needed in the future. Therefore, this paper summarizes the inclusive growth of rural areas in China from three aspects: the incidence of poverty, the absolute and relative gap of income and expenditure between rural and urban population, and the rural and urban residents’ income structure. We analyze the trans-mission mechanism of promoting inclusive growth of rural economy from the direct and indirect economic effects of digital inclusive finance. Finally, we rethink the interactive coupling effect, the diversification of participation and micro mechanism of between digital inclusive finance and rural inclusive growth.