数字普惠金融发展对农村低收入家庭财产性收入的影响研究
A Study of the Impact of Digital Inclusive Finance on the Property Income of Rural Low-Income Households

家庭财产性收入逐渐成为提高居民收入的重要增长点，研究数字普惠金融对农户财产性收入的影响对扎实推进共同富裕具有重要意义。文章基于2019年中国家庭金融调查微观数据和北京大学数字普惠金融指数，系统分析数字普惠金融对农村低收入家庭财产性收入的影响。研究发现，数字普惠金融促进了低收入农户财产性收入规模的扩大；中西部地区数字普惠金融对低收入农户财产性收入的增收作用比东部更强；数字普惠金融促进农户进行创业决策，提高其增加财产性收入的能力。为此，建议加快完善数字经济相关基础设施建设，积极推动数字普惠金融服务体系建设，鼓励低收入群体提升金融素养、进行创业，多渠道提高家庭财产性收入。
Household property income has gradually become an important growth point to increase resi-dents’ income. It is of great significance to study the impact of digital inclusive finance on farmers’ property income to promote common prosperity. Based on the micro data of the 2019 China Household Finance Survey (CHFS) and the Peking University Digital Financial Inclusion Index, this paper systematically analyzes the impact of digital financial inclusion on the property income of rural low-income households. The results show that digital financial inclusion can significantly promote the expansion of the scale of property income of low-income farmers; heterogeneity analysis shows that digital financial inclusion has a stronger effect on the property income of low-income farmers in the central and western regions than in the eastern regions. Mechanism analysis shows that digital financial inclusion promotes rural households to make entrepreneurial decisions, thereby improving their ability to increase property income. To this end, it is recommended to speed up the construction of infrastructure related to the digital economy, actively promote the construction of digital inclusive financial service system, encourage low-income groups to improve financial literacy, entrepreneurship, and improve household property income through multiple channels.