数字普惠金融对乡村生态宜居的影响研究  

Research on the impact of digital inclusive finance on rural ecological livable

作　　者：蔡雪雄[1] 李梦琪 Cai Xuexiong;Li Mengqi(Fujian Academy of Social Sciences,Fuzhou,Fujian 350001;China Agricultural University College of Economics and Management,Beiijing 100083)

机构地区：[1]福建社会科学院,福建福州350001 [2]中国农业大学经济管理学院,北京100083

出　　处：《重庆社会科学》2023年第6期47-62,共16页Chongqing Social Sciences

摘　　要：建设生态宜居的美丽乡村是乡村振兴战略的重要内容,数字普惠金融作为推动中国经济发展的新动能,探究其是否能提升乡村生态宜居水平具有重要意义。利用2015—2020年省级面板数据,从自然环境宜居、人工环境宜居、社会环境宜居三方面构建乡村生态宜居指数体系,结果表明:数字普惠金融能显著提升乡村生态宜居水平,且可以通过农业技术进步效应和城镇化效应实现。异质性分析显示,提高数字普惠金融覆盖广度及使用深度有助于提高乡村生态宜居水平,但数字化程度对乡村生态宜居水平的影响不显著;且数字普惠金融对乡村生态宜居水平的影响具有区域差异,在中部地区和西部地区影响显著,但东部地区并不显著,说明在经济相对落后地区加大数字普惠金融支持力度更能提升当地乡村生态宜居水平。由此认为应持续推动数字普惠金融,创新绿色数字金融产品;鼓励农业技术绿色创新发展,提高城镇化水平;因地制宜推行数字普惠金融政策以推进乡村生态宜居发展。Building an ecologically livable and beautiful countryside is an important part of the rural revitalization strategy.Digital financial inclusion,as a new driving force for China's economic development,is of great significance to explore whether it can improve the level of rural ecological livable.Using the panel data of 30 provinces in China from 2015 to 2020,the rural ecological livability index system was constructed from three aspects of natural environment,artificial environment and social environment.The results show that digital financial inclusion can significantly improve the level of rural ecological livability,which can be achieved through the effect of agricultural technology progress and urbanization.Heterogeneity analysis shows that the coverage breadth and use depth of digital inclusive finance can significantly improve the level of rural ecological livability,but the degree of digitalization has no significant impact on the level of rural ecological livability.The impact of digital financial inclusion on rural ecological livability level is different in different regions.The impact is significant in central and western regions,but not in eastern regions,indicating that increasing the support of digital financial inclusion in economically backward regions can better improve the local rural ecological livability level.Therefore,we should continue to promote digital financial inclusion and innovate green digital financial products.Encourage green and innovative development of agricultural technology and improve the level of urbanization;Adopting digital financial inclusion policies in light of local conditions to promote ecological and livable development in rural areas.

关 键 词：数字普惠金融 乡村生态宜居 农业技术进步效应 城镇化效应 

分 类 号：F323[经济管理—产业经济]