数字普惠金融减缓城乡差距的效应研究——基于中部六省的经验分析  

Research on the Effect of Digital Financial Inclusion on Reducing Urban-rural Gap:Based on the Empirical Analysis of Six Provinces in Central China

作　　者：赵健 卓奇昕 ZHAO Jian;ZHUO Qixin(School of Economics and Trade,Henan University of Engineering,Zhengzhou,Henan 451191,China;College of business of City University of Hong Kong,Hong Kong 999077,China)

机构地区：[1]河南工程学院经济贸易学院,河南郑州451191 [2]香港城市大学商学院,中国香港999077

出　　处：《中州大学学报》2024年第1期25-33,共9页Journal of Zhongzhou University

基　　金：2020年度河南省高等学校哲学社会科学应用研究重大项目“精准扶贫视阈下河南省普惠金融的供求机理、耦合效应与绩效评估研究”(2020-YYZD-09);2020年度河南省哲学社会科学规划课题“河南省普惠金融发展的绩效评价及模式创新研究”(2020BJJ048)。

摘　　要：数字普惠金融借助数字技术,在缩小城乡差距中发挥了不同于传统金融的重要作用。以2011—2021年中部六省的相关数据为样本,分析了数字普惠金融与城乡差距的现状及特征,通过构建两者间计量模型,定量分析了数字普惠金融减缓城乡差距的直接效应和间接效应。研究结果显示数字普惠金融减缓城乡差距存在显著的积极作用,呈倒“U”形规律,目前已过拐点;数字普惠金融的覆盖广度和数字化程度减缓城乡差距的效应是显著的,但使用深度却不显著;产业结构发挥了显著的中介效应,城镇化水平和政府财政支出能有效减缓城乡差距。基于上述研究结论,从改善数字环境、优化产业结构、创新财政工具、提升农民创业能力等方面提出了进一步发挥数字普惠金融减缓城乡差距的对策和建议。With the help of digital technology,digital financial inclusion has played an important role different from traditional finance in narrowing the gap between urban and rural areas.Taking the relevant data of six provinces in central China from 2011-2021 as samples,this paper analyzes the current situation and characteristics of digital financial inclusion and the urban-rural gap in Henan Province,constructs an econometric model between the two,and quantitatively analyzes the direct and indirect effects of digital financial inclusion on reducing the urban-rural gap.The research results show that digital financial inclusion has a significant positive effect on reducing the urban-rural gap,showing an inverted“U”shaped law,which has passed the inflection point at present;The coverage and digitization degree of digital finance have a significant effect on alleviating the urban-rural gap,but the depth of use is not significant;The industrial structure has played a significant Mesomeric effect,and the level of urbanization and government financial expenditure can effectively reduce the gap between urban and rural areas.Based on the research conclusions above,this paper puts forward countermeasures and suggestions to further exert digital financial inclusion to reduce the urban-rural income gap.These measures include improving the digital environment,meeting financial needs,innovating financial tools,increasing agricultural investment and accelerating urbanization.

关 键 词：数字普惠金融 减缓 城乡差距 

分 类 号：F832.0[经济管理—金融学] F124.7