Digital Inclusive Finance,Agricultural Insurance And China Relative Poverty Alleviation

With the overall victory of the fight against poverty,China officially announced that the people of the whole country have been rid of absolute poverty.However,how to consolidate the results of poverty eradication,put an end to the phenomenon of returning to poverty and reduce relative poverty is a new problem that we are facing in the task of poverty reduction at this stage.The emergence of digital inclusive finance provides a new idea for China to solve the problem of poverty reduction.Digital inclusive finance is a new thing formed by the combination of inclusive finance and the Internet,big data and other emerging network technologies.It has the advantages of wide user coverage,low maintenance costs,high efficiency of use,and can break the development bottleneck faced by traditional inclusive financial services,deliver financial services more accurately and effectively to the hands of the poor,and improve the poverty situation.In order to more accurately explore the role of digital inclusive finance in alleviating relative poverty,and whether agricultural insurance can play an intermediary role in the process of reducing poverty through digital inclusive finance,and provide more theoretical and data support for future financial poverty reduction,this thesis studies the relationship between the impact of digital inclusive finance and agricultural insurance on poverty alleviation in China from both theoretical and empirical aspects.In terms of theoretical mechanism research,this thesis combs the relevant research of domestic and foreign scholars,and analyzes the poverty reduction mechanism of digital inclusive finance on the basis of previous research.In the empirical research,this thesis selects the(CFPS)project to construct a multi-dimensional poverty index as the explanatory variable,and uses the fixed effect model and the intermediary effect to study the effect of China digital inclusive finance on alleviating relative poverty.The empirical research results show that:(1)The development of agricultural insurance has a significant positive impact on reducing relative poverty,and the development of DIF contributes to poverty reduction.(2)Using the intermediary effect method,in-depth analysis is made of the mechanism of DIF in reducing poverty among farmers,verifying the mechanism of "DIF-agricultural insurance-relative poverty alleviation",indicating that promoting the development of agricultural insurance is an important channel for digital inclusive finance to achieve poverty reduction among some countryside farmers.And next,(3)According to regional studies,the development of digital inclusive finance has different effects on poverty reduction in different regions.In the west,digital inclusive finance has a relatively large poverty reduction effect,which decreases sequentially from the west to the east.Finally,the results of the full thesis show that,first,accelerate the application and promotion of digital inclusive finance in various regions;Second,build a poverty reduction mechanism that combines agricultural insurance and agricultural credit;Third,improve the financial literacy of relatively poor groups nationwide;Fourth,enhance the power of digital inclusive finance and agricultural insurance.