| After winning the fight against poverty,the development level of per capita disposable income of rural residents is still low.Digital financial inclusion combines digital technology with financial services,which provides new ideas for the development of rural finance.The research on the influence of digital financial inclusion on farmers’ income and sub-items plays an important role in improving the current situation of rural residents’ income,solving the "agriculture,rural areas" and promoting rural revitalization.It provides guarantee for the sustained and stable growth of farmers’ incomes and is of great benefit to the improvement of regional economies.Based on theoretical analysis and empirical analysis,this paper studies the influence of digital financial inclusion on the income structure of farmers in western China.In the theoretical part,firstly,the literature related to farmer income structure,digital general benefit finance,and the relationship between the two are sorted out in detail.Then the theory of finance and farmers’ income are summarized.Then,on the basis of theoretical analysis,combined with the development advantages of digital financial inclusion,the mechanism of digital general benefit finance on the income structure of farmers is summarized.Finally,the present situation and characteristics of digital general financial development and farmer income structure development in western China are studied in general,sub-dimension,subregion and sub-income level.Combined with theoretical analysis,four researchypotheses are proposed in this paper.In the empirical module,this paper USES the data of farmers’ income structure in 110 cities in western China from 2013 to 2020 and the digital puhui financial index of Peking University to construct the fixed effect panel model and use stata16 software for empirical test.After the total sample test,the heterogeneity test was conducted based on income level and regional division--aiming at more accurate analysis of the relationship between the income and sub-components of farmers in western China.The following conclusions are drawn from the research: first,in western China,the development of digital financial inclusion,urbanization level,economic development and financial support of agriculture can all increase farmers’ income.The second is that in the empirical test results of divided dimensions,all three dimensions can promote the growth of farmers’ income and sub-component composition in western China,but the influence of each dimension is greatly different.Third,in the subregional heterogeneity test,due to the differences in development status in southwest and northwest,the influence of digital general finance on farmers’ areas and various incomes varies.Fourth,in the heterogeneity test of sub-income level,the influence of digital pratt finance on farmers’ income and analysis in western China is different.Based on the above conclusions,four suggestions are put forward as follows: first,improve the level of infrastructure construction and deepen the driving role of digitalization in financial services;Second,we will deepen the use of digital inclusive finance and fully release the dividends of digital inclusive finance in helping farmers increase their incomes.Third,improve the comprehensive quality of farmers,especially the financial literacy;Fourth,we will upgrade industrial structure and human capital simultaneously. |
