数字普惠金融对乡村振兴的影响:机制与路径  

Impact of Digital Inclusive Finance on Rural Revitalization:Mechanism and Paths

作　　者：周国富 郭淑婷 张春红 Zhou Guofu;Guo Shuting;Zhang Chunhong(Tianjin University of Finance and Economics)

机构地区：[1]天津财经大学统计学院 [2]国民经济研究所 [3]天津财经大学珠江学院

出　　处：《调研世界》2024年第11期3-16,共14页The World of Survey and Research

基　　金：国家社会科学基金一般项目“经济数字化转型的创新驱动效应、区域差异及协调发展路径研究”(24BTJ021);国家社会科学基金重大项目“新时代共同富裕实现程度的统计测度及实现路径研究”(22&ZD155)的资助。

摘　　要：本文从理论上分析了数字普惠金融的发展对乡村振兴的影响机制与传导路径,并提出了研究假设;通过构建乡村振兴指标体系,在测度各省(区、市)乡村振兴水平的基础上,通过构建面板数据模型对这些假设进行了实证检验。研究发现,数字普惠金融显著促进了乡村振兴,这一结论在经过一系列稳健性检验后依然成立。但是,数字普惠金融对于乡村振兴的影响具有异质性,在农村信息化水平和传统金融发展水平较高的省(区、市)数字普惠金融对乡村振兴的促进作用更明显。进一步的机制检验表明,数字普惠金融通过推动农村产业融合、提升农村人力资本水平来助力乡村振兴。鉴于此,本文从加强农村地区的数字基础设施建设、办好乡村教育、提升农村居民的金融素养、做好农村产业发展规划等几方面给出了相应的政策建议。This paper theoretically analyzes the impact mechanism and transmission path of the development of digital inclusive finance on rural revitalization,and proposes the research hypothesis.After constructing a rural revitalization indicator system,on the basis of measuring the level of rural revitalization in various provinces of China,the assumptions are empirically tested by constructing a panel data model.The study finds that digital inclusive finance can significantly promote rural revitalization,and this conclusion is still valid after a series of robustness tests.However,the impact of digital inclusive finance on rural revitalization is heterogeneous,and digital inclusive finance plays a more obvious role in promoting rural revitalization in provinces with higher levels of rural information technology and higher levels of traditional financial development.Further mechanism test shows that digital inclusive finance can help rural revitalization by promoting the integration of rural industries and improving the level of rural human capital.In view of this,this article provides the corresponding policy suggestions from several aspects,such as strengthening the construction of digital infrastructure in rural areas,promoting rural education,enhancing the financial literacy of rural residents,planning for rural industrial development.

关 键 词：数字普惠金融 乡村振兴 农村产业融合 农村人力资本 面板数据模型 

分 类 号：C812[社会学—统计学]