| Since the implementation of digital inclusive finance policy in China,it has had an important impact on poverty alleviation and farmers’ income increase,and its effect and mechanism path have attracted increasing attention in the domestic theoretical research field.In recent years,the economy of southeast coastal area has developed rapidly and is leading the whole country.However,the southeast coastal areas are affected by the income gap between urban and rural areas,and it is difficult to deepen development achievements.The emergence of digital inclusive financial services has not only fully channelized the exclusion of traditional finance,but also increased farmers’ income by means of poverty reduction effect and coordinated urban and rural development.The prominent role of digital inclusive financial services in narrowing the gap between urban and rural areas has been increasingly highly valued by local governments.In the process of building China into an agricultural power in the new era,digital inclusive finance will play a more prominent role in influencing farmers’ income in southeast coastal areas by promoting farmers’ entrepreneurship and agricultural industry integration.It is of great practical significance to further amplify the positive spillover effect of digital inclusive finance on farmers’ income in southeast coastal areas.In this paper,financial development theory,rural finance theory,dual structure theory,inverted "U" theory and long tail theory are used to analyze and explain the impact mechanism of digital inclusive finance and farmers’ income.Secondly,the paper analyzes the current situation and spatial distribution characteristics of digital inclusive finance and farmers’ income in southeast coastal areas of China,which provides factual basis for subsequent empirical analysis and countermeasures.Thirdly,this paper collected data from 56 southeast coastal regions of China from 2011 to 2020.With farmers’ income and digital inclusive finance index as core variables,relevant control variables such as industrial structure and government behavior were selected to construct panel regression model.From the three dimensions of digital inclusive finance and its coverage breadth,use depth and digitization degree,This paper makes an empirical analysis of the effect of digital inclusive finance on farmers’ income in southeast coastal areas.The research shows that the digital inclusive finance and its coverage breadth,use depth and digitization degree in southeast coastal areas have poverty reduction effect and can effectively increase rural residents’ income.Based on the above research conclusions,this paper puts forward countermeasures and suggestions to improve the infrastructure construction of digital inclusive finance,improve the education system of digital inclusive finance,and optimize the service system of digital inclusive finance. |
