西安石油大学学报（社会科学版）

基于2011—2024年中国省域面板数据，结合农户微观调研信息，运用面板双向固定效应模型、工具变量法、中介效应模型及分组回归等方法实证研究数字普惠金融对农户经营性收入增收效应。结果显示:数字普惠金融对农户人均经营性收入、人均农业与非农经营性收入均有显著正向影响。分位数回归表明，数字普惠金融对不同收入分位点农户经营性收入的正向作用稳健，对低收入农户农业经营性收入和高收入农户非农经营性收入增收效应更突出;信贷约束缓解和农户创业激励是核心路径;对中部农户农业经营性收入、东部农户非农经营性收入促进更显著，缓解了总体经营性收入不平等。

Based on the provincial panel data of China from 2011 to 2024,combined with the micro-survey information of farmers,the panel two-way fixed effect model,instrumental variable method,intermediary effect model and grouping regression were used to empirically study the increasing effect of digital inclusive finance on the operational income of farmers. The results show that digital inclusive finance has a significant positive impact on the per capita operating income of farmers and the per capita agricultural and non-agricultural operating income. The quantile regression analysis indicates that digital inclusive finance has a stable positive effect on the operating income of farmers at different income quintiles. It has a more prominent effect on increasing the operating income of low-income farmers and the non-agricultural operating income of high-income farmers. The alleviation of credit constraints and the encouragement of farmers' entrepreneurship are the main paths; they have a more significant impact on the agricultural operating income of farmers in the central region and the non-agricultural operating income of farmers in the eastern region,thereby reducing the overall inequality in operating income.