乡村振兴战略下中部六省数字普惠金融效率测度及影响因素研究  

Efficiency measurement and factors influencing digital inclusive finance in six central provinces under the rural revitalization strategy

作　　者：赵健 魏欣 ZHAO Jian;WEI Xin(School of Economics and Trade,Henan University of Engineering,Zhengzhou 451191,China;School of Economics and Management,Huanghuai University,Zhumadian 463000,China;School of Politics and Public Administration,Yunnan Minzu University,Kunming 650031,China)

机构地区：[1]河南工程学院经济贸易学院,河南郑州451191 [2]黄淮学院经济与管理学院,河南驻马店463000 [3]云南民族大学政治与公共管理学院,云南昆明650031

出　　处：《河南工程学院学报（社会科学版）》2023年第2期19-27,共9页Journal of Henan University of Engineering(Social Science Edition)

基　　金：2020年河南省高等学校哲学社会科学应用研究重大项目(2020-YYZD-09),2020年河南省哲学社会科学规划课题(2020BJJ048)。

摘　　要：数字普惠金融是助推乡村振兴的重要手段。基于乡村振兴的发展目标构建度量乡村振兴发展水平的指标体系,借助DEA模型测度中部六省2012—2020年数字普惠金融效率,并利用Tobit模型分析数字普惠金融的影响因素。研究结果显示:中部六省数字普惠金融的综合效率、纯技术效率和规模效率均未达到最优,有较大的提升空间,管理和技术等是影响数字普惠金融效率的主要原因;分布空间上,中部六省份间存在区域差异,动态结果上,中部六省数字普惠金融效率指数总体呈上升趋势,其助力乡村振兴的作用在稳步增大,但技术创新的驱动效应不明显;从影响因素看,政策支持、农村经济发展对数字普惠金融效率的影响是显著正向的,城乡差距对数字普惠金融效率的影响是显著负向的,普惠金融发展的数字技术和乡村教育水平有待提高。Digital inclusive finance is an important means to boost rural revitalization.Based on the development goals of rural revitalization,this paper builds an index system to measure the development level of rural revitalization,measures the efficiency of digital inclusive finance in six central provinces from 2012 to 2020 by using the DEA model,and analyzes the influencing factors with the Tobit model.The results demonstrate the following problems:the comprehensive efficiency,pure technical efficiency and scale efficiency of digital inclusive finance in these six provinces fail to reach the optimal level,and there is large space for improvement;management and technology are the main reasons affecting the low efficiency of digital inclusive finance.To be specific,in terms of distribution space,regional differences exist among these provinces;as to dynamic results,the efficiency index of digital inclusive finance in these provinces shows an upward trend on the whole,and its role in promoting rural revitalization is increasing in a steady way,but the driving effect of technological innovation is not obvious;regarding the influencing factors,policy support and rural economic development have significant positive impacts on its efficiency,while the urban-rural gap has considerable negative influences.Besides,the digital technology of inclusive finance and rural education need to be improved.

关 键 词：乡村振兴 数字普惠金融 效率测度 

分 类 号：F323[经济管理—产业经济]