数字普惠性金融对农村低收入人口帮扶的影响研究

——基于CHFS和DFIIC数据的分析

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中图分类号：F126.2；F832.35 文献标志码：A 文章编号：1673—5617（2025）02-0055—08

Abstract：【Objective/Meaning】Theintroductionofdigital inclusive finance willcontiue to promote the income generationof rurallow-incomepopulation，drivetheirconsumptioncapacityandoptimizethedebtstructureoflow-incomepopulationinrural areas，whichcanfurtheroptimizethecurrentworking mechanismofasistingthelow-income populationinruralareas in China. 【Methods/Procedures】Based on the dataof China Household Finance Survey（CHFS）in 2019 and the province-level data of Peking UniversityDigitalFinancial InclusionIndexofChina（PKU-DFIIC）in2019，theimpactofdigital iclusivefinanceonthe asistance of rural low-incomepopulation was quantitatively analyzed and evaluated from a micro perspective.【Results/ Conclusions】There wasagreatresistance tothetransmisionofdigital inclusivefinance inruralareas.There were some problems， suchas thelessestablishmentoffiancialinstitutions，thecumbersomeprocessofbusinesshandling，andthehighthresholdof villaersloasndtegerostofaingtrosst.forfusoistingtalocoeoiote govemmentshouldcontinuetopromotethedevelopmentofdigitalinclusivefinance，promotetheincomegenerationforresidents， drivethe rural consumption，improve thedebt structureofrural households，enhance the disposable income level of ural lowincome populations， and prevent the large-scale returning to poverty.

Keywords：digitalinclusivefinance；socialasstance；rurallow-incomepopulation；preventingthelarge-scalepoverty returning

2024年政府工作报告明确指出，要加快对社会救助体系分层分类的完善与健全，统筹对低收人人口的帮扶政策和防止返贫的相应政策，以防止大规模返贫情况的出现。（剩余9140字）