农村商业银行视角下普惠金融对乡村振兴的影响研究——山东省县域的经验证据  

Research on the Impact of Inclusive Finance on Rural Revitalization from the Perspective of Rural Commercial Banks——Empirical Evidence from Counties in Shandong Province

作　　者：王继东[1] Wang Jidong(Shandong Rural Credit Union,Jinan 250014,Shandong,China)

机构地区：[1]山东省农村信用社联合社,山东济南250014

出　　处：《金融发展研究》2024年第3期3-9,共7页Journal Of Financial Development Research

摘　　要：本文基于山东省辖内农村商业银行的微观视角,从普惠金融广度、深度和普惠性三个层面,选取农村商业银行16个经营指标,运用熵权法编制农村商业银行特色的普惠金融支持指数,以2014—2022年山东省81个县(市、区)数据为样本,基于双向固定效应模型对普惠金融能否促进乡村振兴进行实证检验。主要得出如下结论:一是与传统金融相比,普惠金融更能显著促进县域乡村振兴;二是普惠金融通过产业带动效应和减贫增收效应两个渠道促进乡村振兴;三是数字化与普惠金融存在显著的互补效应。应从进一步完善财政补贴体系、丰富支持“三农”发展的相关政策、加大专项资金倾斜力度、加强农村征信体系建设、探索地方财政出资建立农村产权抵押贷款风险缓释机制等方面充分发挥普惠金融作用,并借助数字技术提高普惠金融水平。Based on the micro perspective of rural commercial banks under the jurisdiction of Shandong Province,this paper selects 16 operational indicators of rural commercial banks from the three dimensions of financial inclusion breadth,depth and inclusiveness,uses the entropy weighting method to compile a financial inclusion support index characterized by rural commercial banks,and takes the data of 81 counties(cities and districts)in Shandong Province from 2014 to 2022 as a sample,and based on the bidirectional fixed-effects model to empirically test whether inclusive finance can promote rural revitalization.The main conclusions are as follows:first,compared with traditional finance,inclusive finance can more significantly contribute to the revitalization of rural areas in counties;secondly,inclusive finance promotes rural revitalization through two channels,namely,the industry-led effect and the income-reducing effect;third,there are significant complementary effects of digitalization and financial inclusion.The role of inclusive finance should be brought into full play by further improving the financial subsidy system,enriching the relevant policies to support the development of the"three rural areas",increasing the inclination of special funds,strengthening the construction of the rural credit system,and exploring the establishment of a risk mitigation mechanism for rural property rights mortgages at the expense of the local finances,etc.,and improving the level of inclusive finance with the help of digital technology.

关 键 词：普惠金融 乡村振兴 产业带动效应 减贫增收 

分 类 号：F832[经济管理—金融学]