数字普惠金融对农业农村现代化的影响研究  

The Impacts of Digital Inclusive Finance on Agricultural and Rural Modernization

作　　者：董朕 任健[3] 武婷婷 王蒙蒙 刘远智 DONG Zhen;REN Jian;WU Tingting;WANG Mengmeng;LIU Yuanzhi(College of Economics and Management,Shangluo University,Shangluo 726000,Shaanxi China;Shangluo Development Research Institute,the New Style Think Tank of Shaanxi Universities,Shangluo 726000,Shaanxi China;Shangluo Municipal Branch,the People’sBank of China,Shangluo 726000,Shaanxi China;West China Hosipital,Sichuan University,Chengdu 610041,China)

机构地区：[1]商洛学院经济管理学院,陕西商洛726000 [2]陕西高校新型智库商洛发展研究院,陕西商洛726000 [3]中国人民银行商洛市分行,陕西商洛726000 [4]四川大学华西医院,成都610041

出　　处：《河南科学》2024年第7期1086-1092,共7页Henan Science

基　　金：教育部人文社会科学青年基金项目(21YJC790023);陕西省社会科学基金项目(2021R026);陕西省教育厅重点科学研究计划项目(23JT011);陕西高校青年创新团队商洛发展研究创新团队(2022-65)。

摘　　要：选取2017—2021年我国30个省份农村面板数据为研究样本,采用熵值法测算各省份农业现代化发展水平,并通过基准回归分析,实证研究数字普惠金融对农业农村现代化发展的影响.结果表明:数字普惠金融发展能够有效促进农业农村现代化水平,其3个维度覆盖广度、使用深度、数字化程度发展均对农村经济发展产生正向促进作用;就区域而言,数字普惠金融的发展对东部农业农村现代化的发展有促进作用,但对中西部农业农村现代化的促进作用不显著.最后从推进数字普惠金融服务建设、健全农业贷款和担保制度、完善农业信用制度建设和推动差异化数字金融4个方面提出了完善数字普惠金融发展、促进农业农村现代化的对策与建议.The rural panel data of 30 provinces in China from 2017 to 2021 were selected as research samples.The entropy method was used to measure the development level of agricultural modernization in each province,and the impact of digital financial inclusion on the development of agricultural and rural modernization was empirically analyzed through benchmark regression analysis.The results show that the development of digital inclusive finance can effectively promote the level of agricultural and rural modernization,and its three dimensions of coverage breadth,depth of use and digital degree have a positive promoting effect on rural economic development.In terms of region,the development of digital inclusive finance can promote the development of agricultural and rural modernization in eastern China,but it has no significant promoting role on the development of agricultural and rural modernization in the central and western regions.Finally,from the four aspects of promoting the construction of digital inclusive financial services,improving the agricultural loan and guarantee system,improving the construction of agricultural credit system and promoting differentiated digital finance,the paper puts forward countermeasures and suggestions to improve the development of digital inclusive finance and promote the modernization of agriculture and rural areas.

关 键 词：数字普惠金融 农业农村现代化 熵值法 回归分析 

分 类 号：F327[经济管理—产业经济]