县域数字普惠金融发展模式与路径探索——基于山东省阳谷县和兰山区的调研  

Exploring the Development Models and Paths of Digital Inclusive Finance in Counties--Research in Yanggu County and Lanshan District of Shandong Province

作　　者：胡志远 刘琛君[1] 周梓萱 李德宁 HU Zhiyuan;LIU Chenjun;ZHOU Zixuan;LI Dening(Business School,Liaocheng University Liaocheng,Shandong 252000)

机构地区：[1]聊城大学商学院,山东聊城252000

出　　处：《中国商论》2023年第12期109-112,共4页China Journal of Commerce

基　　金：聊城大学大学生创新创业训练计划资助(S202210447054)。

摘　　要：《“十四五”国家信息化规划》提出“数字普惠金融服务”优先行动,为促进共同富裕背景下全面推进数字普惠金融服务建设与发展明确了重点方向。县域数字普惠金融是我国近年来经济领域的发展重点,本文以2021年调研山东省聊城市阳谷县与临沂市兰山区的截面数据为样本,运用数字普惠金融指数和二值Logit模型对阳谷县和兰山区两地数字普惠金融发展状况进行分析,发现硬件设备、网络覆盖、个人金融知识储备等措施对当下县域数字普惠金融发展有促进作用,并结合调研实情为县域提出了“三联、二扶、一护”的“3+2+1”的数字普惠金融发展模式,以期实现县域数字普惠金融精准对接。The National Informatization Plan of the 14th Five-Year Plan puts forward the priority of digital inclusive financial services,which clearly defines the key direction for promoting the construction and development of digital inclusive financial services in the context of common prosperity.Digital inclusive finance in counties has been the focus of China’s economic development in recent years.Based on the cross-sectional data of Yanggu County and Lanshan District of Liaocheng City in Shandong Province in 2021,this paper analyzes the development of digital inclusive finance in Yanggu County and Lanshan District by using the index of digital inclusive finance and binary logit model.It is found that hardware equipment,network coverage,personal financial knowledge reserve,and other measures can promote the development of digital inclusive finance in counties.Combined with the research facts,the digital inclusive financial development model of“making joint efforts of the government,enterprises,and vocational institutions,raising morale and improving intelligence,and cultivating leaders in increasing wealth”is proposed for counties.Accurate digital inclusive finance in the counties will be realized.

关 键 词：县域数字普惠金融 数字普惠金融发展模式 数字普惠金融影响因素 二值Logit模型 数字普惠金融指数 

分 类 号：F832[经济管理—金融学]