关键词: 数字普惠金融, 农民收入, 时空分异, 空间收敛

Abstract: The operation of the financial system is closely related to the production and life of farmers. By analyzing the specific impact of the development of digital inclusive finance on farmers income, more accurate and reliable empirical evidence can be provided for the targeted formulation of strategies to increase farmers income. Based on panel data of 30 provinces in China from 2011 to 2020, the geographic and temporally weighted regression model for panel data (PGTWR) and spatial convergence model were constructed to analyze the spatiotemporal differences and convergence characteristics of the impact of digital financial inclusion on farmers income. As the results indicated that the development of digital financial inclusion exerted a significant positive impact on farmers income, which featured remarkable spatial and temporal variation. There were differences in the income enhancement effects of digital financial inclusion in different regions and periods, the minimum coefficient was estimated to be 0.268 and the maximum was 0.633. With the growing income enhancement effects of digital financial inclusion in remote western regions represented by Xinjiang, the regional differences narrowed rapidly. In the spatial convergence model, the estimated β absolute convergence and β conditional convergence coefficients were -0.165 and -0.158, respectively, and both were negative, indicating that the increased effect of digital financial inclusion conformed to the spatial convergence characteristics. Digital financial inclusion effectively improved the unevenness in the development of traditional finance, provided a catchup channel for farmers in remote western regions to increase their income, and thus alleviated the income inequality within farmers.

Key words: digital inclusive finance, farmers income, spatiotemporal heterogeneity, space convergence