关键词: 普惠金融, 金融扶贫, 脱贫攻坚, 瞄准机制

Abstract: The “ubiquitous” nature of the Internet has greatly reduced the supply and use cost of digital inclusive financial services, which not only helps to expand the coverage of financial services in rural areas and the financial use of poor farmers, but also promotes the development of the local economy and industry to create more economic opportunities for poor farmers, thereby directly or indirectly slowing down the incidence of rural poverty. In order to verify the above judgment, this paper uses the panel data of 31 provinces from 2011 to 2015 to examine the rural poverty alleviation effect of digital inclusive finance and its impact mechanism.The results are as follows: (1) Digital inclusive financial development can not only promote the development of Internet credit and Internet insurance (i.e., financial availability) to directly alleviate rural poverty, but also indirectly slow down rural poverty by increasing individual employment and private enterprise employment (i.e., economic opportunities). (2)During the inspection period, the poverty reduction effect of directly increasing the financial availability of poor farmers was better than that of targeting local economic and industrial development and bringing more economic opportunities to poor farmers. In view of the current situation of rural inclusive finance and industrial development in China and the characteristics of poor farmers, this paper maintains that the development of rural digital inclusive finance in China should still aim at directly increasing the financial availability of poor farmers.

Key words: Inclusive Finance, Financial Poverty Alleviation, Poverty Alleviation, Targeting Mechanism