数据要素市场建设与县域普惠金融发展  

Data Element Market Construction and the Development of Inclusive Finance in County Areas

作　　者：罗兴 李晓涵 何奇龙 LUO Xing;LI Xiaohan;HE Qilong(Business School,Zhengzhou University,Zhengzhou,Henan,China,450001;New Financial Institute of Zheng Zhou University,Zheng Zhou University,Zhengzhou,Henan,China,450001)

机构地区：[1]郑州大学商学院,河南郑州450001 [2]郑州大学新金融研究院,河南郑州450001

出　　处：《贵州大学学报（社会科学版）》2024年第5期56-70,共15页Journal of Guizhou University(Social Sciences)

基　　金：国家社会科学基金青年项目“场景嵌入导向的农村数字普惠金融创新研究”(21CJY003)。

摘　　要：县域普惠金融发展有助于全面推进乡村振兴和城乡融合发展,考察数据要素市场建设对县域普惠金融发展的影响具有一定现实意义。本文基于我国2014—2021年1428个县域面板数据,利用熵值法构建县域普惠金融综合发展指数,运用多期双重差分模型评估以数据交易平台为代表的数据要素市场建设对县域普惠金融发展的影响。研究发现,考察期内数据要素市场建设能够显著促进县域普惠金融发展,且该结论经过一系列稳健性检验仍然成立。异质性分析发现,数据要素市场建设的促进效用在市场化程度较高、法治化程度较高以及金融科技发展水平较高的县域表现更为明显。鉴于此,应加大数据要素市场培育力度,尤其强化数据交易平台建设,释放试点政策潜力,同时还应考虑地区环境差异,因地制宜推动县域普惠金融发展。The development of county-level inclusive finance helps comprehensively promote rural revitalization and urban-rural integration development,and it is of practical significance to analyze the impact of data element market construction on the development of county-level inclusive finance.This paper uses the panel data from 1428 county-level units in China from 2014 to 2021.The entropy method is used to construct a comprehensive county-level inclusive finance development index,and a multi-phase difference-in-difference model is used to evaluate the impact of data element market construction represented by data trading platforms on the development of county-level inclusive finance.The study found that the data element market construction significantly promotes the development of county-level inclusive finance during the inspection period,and this conclusion was still supported by a series of robustness tests.The heterogeneity analysis found that the promotion effect of data element market construction is more evident in counties with higher degree of marketization,rule of law and financial technology development.In view of this,promoting the development of county-level inclusive finance should increase efforts to cultivate data element markets,especially strengthening the construction of data trading platforms to unleash the potential of pilot policies.At the same time,regional environmental differences should be considered,and policies should be tailored to local conditions.

关 键 词：数据要素市场 数据交易平台 普惠金融 多期双重差分 

分 类 号：F49[经济管理—产业经济]