农村数字普惠金融的经济效应与影响因素研究——基于县域调查数据的实证分析  

The Economic Effect of Rural Digital Inclusive Finance and Its Influence Factors—Based on County-level s Survey Data

作　　者：郭妍[1] 张立光[2] 王馨[2] Guo Yan;Zhang Liguang;Wang Xin(School of Management,Shandong University,Jinan 250100,P.R.China;Jinan Branch of the People s Bank of China,Jinan 250021,P.R.China)

机构地区：[1]山东大学管理学院,济南250100 [2]中国人民银行济南分行,济南250021

出　　处：《山东大学学报（哲学社会科学版）》2020年第6期122-132,共11页Journal of Shandong University(Philosophy and Social Sciences)

基　　金：国家自然科学基金面上项目“去担保背景下我国网络借贷问题研究:理论分析、实证检验与对策模拟”(71773065);国家社会科学基金重大项目“现代文化产业体系和市场体系的协同发展研究”(20ZDA064);山东省社科规划办一般项目“金融发展和乡村振兴:数字普惠金融效应及发展路径探讨”(18CJRJ19)。

摘　　要：基于山东省三类普惠金融试点县农村居民和金融机构的问卷调查,实证检验了农村数字普惠金融发展的经济效应和影响因素,结果发现:数字普惠金融发展具有较好的经济效应,而且对传统金融具有明显的推动作用,实现了数字普惠与传统业务的良性互动。影响数字普惠金融发展的因素较多,相比于硬件设备、网络覆盖度等条件,农村居民的学历和金融知识等因素对农村数字普惠金融的长远发展更有意义。The paper tests the economic effect and influencing factors of rural digital inclusive finance through a questionnaire survey of counties rural residents and financial institutions in Shandong.The results show that the development of digital inclusive finance has a good economic effect and a significant role in promoting traditional finance,which realizes the positive interaction between digital inclusive finance and traditional business.There are many factors that affect the development of digital inclusive finance.Compared with hardware equipment,network coverage and other conditions,the education background and financial knowledge of rural residents have more significant influence for the long-term development of rural digital inclusive finance.

关 键 词：数字普惠 逻辑机制 经济效应 影响因素 

分 类 号：F832.7[经济管理—金融学] F127