数字金融对于贵州农村居民收入的影响研究
Research on the Impact of Digital Finance on the Income of Rural Residents in Guizhou

本文以2011年到2022年覆盖全省9个地级市的面板数据为基础，运用Stata17统计软件，对贵州农村居民收入在这9个市州中的数字普惠金融产生的具体影响进行了探讨。结果表明：(1) 通过覆盖的广度，数字普惠金融对农村居民的创业活动起到了明显的推动作用。(2) 通过运用深层次降低农村金融服务门槛、促进农村居民增收，数字普惠金融取得了显著成绩。(3) 数字普惠金融农村金融资源配置效率是通过数字接入程度来提升的。为此，现提出如下建议：(1) 政府应积极制定和完善相关政策体系，通过举办各种金融知识讲座、培训班等活动，促进其收入持续增长，进而促进整体经济繁荣发展，确保数字金融能够公平、高效地服务于广大农村居民。(2) 贵州省发展数字普惠金融要把更多的钱投入到使用的深度上来。(3) 建立健全的监管机制，保障数字金融市场的健康有序运行，防止潜在的风险对农村居民造成损害。
Based on the panel data covering 9 prefecture-level cities in Guizhou Province from 2011 to 2022, this paper uses Stata17 statistical software to explore the specific impact of digital inclusive finance on the income of rural residents in these 9 cities and prefectures. The results show that: (1) Through the breadth of coverage, digital inclusive finance has played a significant role in promoting the entrepreneurial activities of rural residents. (2) By deeply reducing the threshold of rural financial services and promoting the income increase of rural residents, digital inclusive finance has achieved remarkable results. (3) The efficiency of rural financial resource allocation in digital inclusive finance is enhanced through the degree of digital access. Therefore, the following suggestions are proposed: (1) The government should actively formulate and improve relevant policy systems, and promote the continuous growth of their income through various activities such as financial knowledge lectures and training classes, thereby promoting the overall economic prosperity and development, and ensuring that digital finance can serve the vast number of rural residents fairly and efficiently. (2) The development of digital inclusive finance in Guizhou Province should invest more money in the depth of use. (3) A sound regulatory mechanism should be established to ensure the healthy and orderly operation of the digital financial market and prevent potential risks from causing damage to rural residents.