数字普惠金融、传统金融竞争与农村产业融合  

Digital Financial Inclusion,Traditional Financial Competition,and Rural Industry Integration

作　　者：张岳 周应恒 ZHANG Yue;ZHOU Yingheng

机构地区：[1]南京农业大学经济管理学院,南京210095 [2]江西财经大学经济学院,南昌330013

出　　处：《农业技术经济》2021年第9期68-82,共15页Journal of Agrotechnical Economics

基　　金：国家自然科学基金重点项目“新时期农业发展的国家政策支持体系研究”(编号:71333008);国家社会科学基金重大项目“农村集体产权制度改革深化与经济发展研究”(编号:20ZDA045)。

摘　　要：近年来,数字金融发展势头强劲,随着数字金融普惠性的增强,其将对农村产业融合产生何种影响?本文在理论分析的基础上,以2011—2018年省级面板数据为样本,通过实证分析发现:数字普惠金融发展水平与农村产业融合水平之间具有显著正相关关系,数字普惠金融的发展推动了农村产业融合进程;从具体业务来看,数字普惠金融的信贷业务对农村产业融合的促进作用最大,支付业务次之,保险业务的推动作用最小。与此同时,传统金融竞争在数字普惠金融发展与农村产业融合之间起到调节作用,传统金融市场的竞争越激烈,数字普惠金融发展对农村产业融合的促进作用越强。基于此,本文围绕如何提高数字普惠金融发展水平、推动农村产业融合进程提出相应的政策建议。In recent years, digital finance has achieved a strong momentum of development. With the enhancement of the inclusive nature of digital finance, what impact will it have on the integration of rural industries? Based on theoretical analysis and taking the provincial panel data from 2011 to 2018 as samples, this paper found that the level of digital financial inclusion has a significant positive correlation with the level of rural industry integration, digital financial inclusion promotes the process of rural industry integration through empirical analysis. From the perspective of specific businesses, the credit business of digital financial inclusion plays the most important role in promoting the rural industry integration, followed by payment business and insurance business. Meanwhile, traditional financial competition positively moderates the influence of digital financial inclusion on rural industry integration, that is, the more intense the competition in the traditional financial market, the stronger the role of digital financial inclusion in promoting rural industry integration. Based on this, this paper puts forward corresponding policy suggestions to improve the development level of digital financial inclusion and promote the process of rural industry integration.

关 键 词：数字普惠金融 传统金融竞争 农村产业融合 

分 类 号：F323[经济管理—产业经济] F49F832