数字普惠金融发展对农村居民收入影响的实证研究———以长江经济带为例贺雨(长江大学经济与管理学院，湖北荆州434023)摘要数字时代普惠金融的发展为我国农村居民提高收入水平带来了新的机遇。为探究数字普惠金融对我国农村居民收入的影响，基于2014—2020年长江经济带11个省市的面板数据运用固定效应模型进行实证检验和分析。研究发现:数字普惠金融的发展对长江经济带农村居民收入水平的提升具有显著的积极作用。同时，数字普惠金融发展的影响具有地区异质性，对长江经济带下游地区的影响最显著。为了进一步发挥数字普惠金融对我国农村居民收入水平提升的赋能作用，需要完善数字普惠金融发展的监管体系和法律法规、促进我国农村地区普惠金融的数字化转型发展以及提升农村居民的数字素养等。关键词数字普惠金融;农村居民;居民收入;长江经济带中图分类号S－9文献标识码A文章编号0517－6611(2023)01－0219－03doi:10．3969/j．issn．0517－6611．2023．01．049开放科学(资源服务)标识码(OSID):AnEmpiricalStudyontheImpactoftheDevelopmentofDigitalInclusiveFinanceontheIncomeofＲuralＲesidents—TakingtheYangtzeＲiverEconomicBeltasanExampleHEYu(EconomicsandManagementSchoolofYangtzeUniversity，Jingzhou，Hubei434023)AbstractThedevelopmentofinclusivefinanceinthedigitalagehasbroughtnewopportunitiesforChina’sruralresidentstoimprovetheirincomelevel．InordertoexploretheimpactofdigitalinclusivefinanceontheincomeofruralresidentsinChina，thispaperusesthefixedeffectmodelforempiricaltestandanalysisbasedonthepaneldataof11provincesandcitiesintheYangtzeＲiverEconomicBeltfrom2014to2020．Itisfoundthatthedevelopmentofdigitalinclusivefinanceplaysasignificantpositiveroleinimprovingtheincomelevelofruralresi-dentsintheYangtzeＲiverEconomicBelt．Atthesametime，theimpactofthedevelopmentofdigitalinclusivefinancehasregionalheteroge-neity，andtheimpactonthelowerreachesoftheYangtzeＲiverEconomicBeltisthemostsignificant．Tofurtherplaytheenablingroleofdigit-alinclusivefinanceinimprovingtheincomelevelofruralresidentsinChina，itisnecessarytoimprovetheregulatorysystem，lawsandregula-tionsforthedevelopmentofdigitalinclusivefinance，promotethedigitaltransformationanddevelopmentof...
