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The impact of digital finance on farmers' vulnerability to poverty and its heterogeneity analysis
CUI Hai-hong, HUANG Jiao, HUANG Yi-min
HUBEI AGRICULTURAL SCIENCES
2022, 61 (17):
218-225.
DOI: 10.14088/j.cnki.issn0439-8114.2022.17.036
The data of Chinese household finance in 2015, 2017, and 2019 were matched with the digital financial data of Peking University, and the Probit model was used to empirically test the relationship between digital finance and farmers' vulnerability to poverty. The results showed that there was a significant negative correlation between digital finance and farmers' poverty vulnerability, and the depth of digital finance had a greater effect on reducing farmers' poverty vulnerability. Heterogeneity analysis showed that digital finance had a significant effect on reducing the poverty vulnerability of farmers in the central and western regions, small population regions, and regions with low economic development level, while it had no significant effect on reducing the poverty vulnerability of farmers in the eastern regions, large population regions, and regions with high economic development level. Compared with direct poverty reduction, the effect of digital finance on reducing farmers' poverty vulnerability lied more in poverty prevention. Digital finance had a significant effect on reducing the poverty vulnerability of young and middle-aged heads of households and heads of households with high education level, while it had no significant effect on reducing the poverty vulnerability of elderly heads of households and heads of households with low education level.
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