数字普惠金融与城乡融合发展关系研究  

Research on the Relationship Between Digital Inclusive Finance and Integrated Urban-Rural Development

作　　者：万光彩[1] 李智玉 WAN Guangcai;LI Zhiyu(School of Economics and Finance,Anhui University of Finance and Economics,Bengbu,Anhui 233030,China)

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030

出　　处：《河北工程大学学报（社会科学版）》2024年第3期10-19,共10页Journal of Hebei University of Engineering(Social Science Edition)

基　　金：安徽省社科基金青年项目(编号:AHSKQ2021D158);安徽财经大学研究生科研创新基金项目(编号:ACYC2022481)。

摘　　要：文章以2011-2020年中国30个省份的面板数据为基础,构建城乡融合综合指标体系,采用固定效应模型和中介效应模型,深入分析数字普惠金融对城乡融合发展水平的影响与作用途径。研究表明:数字普惠金融能够有效推动城乡融合;在作用机制上,创业是推动城乡融合的有效途径,尤其是通过创业中的农业创业这一关键部分来实现;在异质性方面,数字普惠金融对城乡融合的推动作用具有显著的区域性特征,并且与互联网覆盖率和市场化程度呈正相关关系。Based on the panel data of 30 provincial-level administrative regions in China from 2011 to 2020,this paper constructs a comprehensive indicator system for urban-rural integration,and uses fixed effect model and intermediary effect model to deeply analyze the impact of digital inclusive finance on the development level of urban-rural integration and the approaches by which the impact works.The research shows that digital inclusive finance can effectively promote urban-rural integration.In terms of mechanism,entrepreneurship is an effective way to promote urban-rural integration,especially the entrepreneurship in agriculture.In terms of heterogeneity,digital financial inclusion has significant regional characteristics in promoting urban-rural integration,and is positively correlated with Internet coverage and marketization degree.

关 键 词：数字普惠金融 城乡融合 创业活跃度 农业创业活跃度 

分 类 号：F49[经济管理—产业经济] F832