Financial inclusion and farmers' income increase: Effects and realization mechanism.

From the perspective of agricultural industrialization, based on China's provincial data from 2006 to 2022, it studies the impact of financial inclusion on farmers' income. We have found that financial inclusion can effectively promote the growth of farmers' income, and this effect sh...

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Main Authors: Guibo Liu, Xiaoxian Gong, Guandong Wang
Format: Article
Language:English
Published: Public Library of Science (PLoS) 2025-01-01
Series:PLoS ONE
Online Access:https://doi.org/10.1371/journal.pone.0324815
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author Guibo Liu
Xiaoxian Gong
Guandong Wang
author_facet Guibo Liu
Xiaoxian Gong
Guandong Wang
author_sort Guibo Liu
collection DOAJ
description From the perspective of agricultural industrialization, based on China's provincial data from 2006 to 2022, it studies the impact of financial inclusion on farmers' income. We have found that financial inclusion can effectively promote the growth of farmers' income, and this effect shows the heterogeneity of different income structures, income levels, and regional types. More importantly, agricultural industrialization is an important mechanism for financial inclusion to promote farmers' income growth. However, the interactive effect of financial inclusion and agricultural industrialization has not promoted the growth of farmers' income, indicating that there are certain structural problems in the current development of financial inclusion. We suggest that the development of financial inclusion should aim at the agricultural industrialization based on division of labor and cooperation. It can focus on supporting the development of local leading industries with regional comparative advantages, guide farmers to enter the agricultural industry chain, and improve farmers' opportunities to share economic results.
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institution Kabale University
issn 1932-6203
language English
publishDate 2025-01-01
publisher Public Library of Science (PLoS)
record_format Article
series PLoS ONE
spelling doaj-art-e547ff6b648247a3a33826ec579ae8d12025-08-20T03:30:20ZengPublic Library of Science (PLoS)PLoS ONE1932-62032025-01-01206e032481510.1371/journal.pone.0324815Financial inclusion and farmers' income increase: Effects and realization mechanism.Guibo LiuXiaoxian GongGuandong WangFrom the perspective of agricultural industrialization, based on China's provincial data from 2006 to 2022, it studies the impact of financial inclusion on farmers' income. We have found that financial inclusion can effectively promote the growth of farmers' income, and this effect shows the heterogeneity of different income structures, income levels, and regional types. More importantly, agricultural industrialization is an important mechanism for financial inclusion to promote farmers' income growth. However, the interactive effect of financial inclusion and agricultural industrialization has not promoted the growth of farmers' income, indicating that there are certain structural problems in the current development of financial inclusion. We suggest that the development of financial inclusion should aim at the agricultural industrialization based on division of labor and cooperation. It can focus on supporting the development of local leading industries with regional comparative advantages, guide farmers to enter the agricultural industry chain, and improve farmers' opportunities to share economic results.https://doi.org/10.1371/journal.pone.0324815
spellingShingle Guibo Liu
Xiaoxian Gong
Guandong Wang
Financial inclusion and farmers' income increase: Effects and realization mechanism.
PLoS ONE
title Financial inclusion and farmers' income increase: Effects and realization mechanism.
title_full Financial inclusion and farmers' income increase: Effects and realization mechanism.
title_fullStr Financial inclusion and farmers' income increase: Effects and realization mechanism.
title_full_unstemmed Financial inclusion and farmers' income increase: Effects and realization mechanism.
title_short Financial inclusion and farmers' income increase: Effects and realization mechanism.
title_sort financial inclusion and farmers income increase effects and realization mechanism
url https://doi.org/10.1371/journal.pone.0324815
work_keys_str_mv AT guiboliu financialinclusionandfarmersincomeincreaseeffectsandrealizationmechanism
AT xiaoxiangong financialinclusionandfarmersincomeincreaseeffectsandrealizationmechanism
AT guandongwang financialinclusionandfarmersincomeincreaseeffectsandrealizationmechanism