在新一代信息技术的推动下,数字普惠金融的发展成为了经济社会中的主流。数字普惠是指利用数字化技术提高金融服务的效率和覆盖面,让更多的人能够享受到金融的发展。本文首先对数字普惠金融和金融扶贫的相关理论进行了初步探讨并进行详细论述。本文以陕西省2014~2022年的数据为依据,构建适合陕西省数字普惠金融在扶贫和提高农民收入方面的模型。本文通过相关性分析、ADF检验、协整检验、误差修正模型和稳健性分析对陕西省数字普惠金融指数对农村减贫增收的影响因素开展一些理论上的探讨。本文的研究结果表明:陕西省发展数字普惠金融对农村减贫增收的确有积极作用,发展数字普惠金融能够有效地解决农村贫困问题、提高农民收入、改善人民生活质量、助力乡村发展。Driven by the new generation of information technology, the development of digital inclusive finance has become the mainstream in the economy and society. Digital inclusion refers to the use of digital technology to improve the efficiency and coverage of financial services, allowing more people to enjoy the development of finance. This article first explores and elaborates on the relevant theories of digital inclusive finance and financial poverty alleviation. Based on the data from 2014 to 2022 in Shaanxi Province, this article constructs a model suitable for digital inclusive finance in poverty alleviation and improving farmer income in Shaanxi Province. This article conducts theoretical discussions on the influencing factors of Shaanxi Province’s digital inclusive finance index on rural poverty reduction and income growth through correlation analysis, ADF test, cointegration test, error correction model, and robustness analysis. The research results of this article indicate that the development of digital inclusive finance in Shaanxi Province has a positive effect on poverty reduction and income increase in rural area
