The Impact And Mechanism Of Digital Financial Inclusion On Rural Poverty Alleviation Based On The CHFS Database

Poverty governance has always been a top priority in the Chinese government’s work,and after the eradication of regional overall poverty by 2021,the direction of rural poverty governance in China is becoming more diversified,which urgently requires us to introduce more effective poverty alleviation tools.By establishing a multidimensional poverty index for rural households,using the digital inclusive financial index at the prefectural level and the multidimensional poverty index for rural households for empirical analysis,and studying the impact of digital inclusive finance development on the multidimensional poverty of rural households from three ways,this paper fully discusses the impact and mechanism of digital inclusive finance on alleviating the multidimensional poverty of rural households.Based on empirical analysis to verify theoretical conjectures,this paper draws the following conclusions:Digital financial inclusion can effectively alleviate the multidimensional poverty of rural households.Inclusive finance plays an important role in his sub-fields have significantly negative regression coefficients on the multidimensional poverty index of rural households.This indicates that digital financial inclusion has a significant direct effect on mitigating rural multidimensional poverty.The main effect of poverty reduction is the breadth and depth of coverage,and the increase in the coverage of Internet financial accounts and the development of new financial formats and products have effectively affected the financial availability of rural households and improved their financial use.Digital financial inclusion can alleviate the multidimensional poverty of rural households by promoting residents’entrepreneurship,alleviating credit constraints,and resolving agricultural risks.Then put forward suggestions:promote the construction of digital infrastructure and knowledge popularization,increase the coverage of digital inclusive finance;develop more business formats and products,and increase the utilization rate of digital inclusive financial services;promote the construction of credit evaluation mechanisms,pay attention to agricultural risks,and adopt various measures Promote farmers’ entrepreneurship.