数字普惠金融与乡村振兴:传导机制及动态效应  

Digital Financial Inclusion and Rural Revitalization:Transmission Mechanisms and Dynamic Effects

作　　者：钟舜彬 黄明清 ZHONG Shunbin;HUANG Mingqing(School of Business,Minnan Normal University,Zhangzhou Fujian 363000,China;Sanming Branch,People′s Bank of China,Sanming Fujian 365000,China)

机构地区：[1]闽南师范大学商学院,福建漳州363000 [2]中国人民银行三明市分行,福建三明365000

出　　处：《盐城工学院学报（社会科学版）》2024年第5期40-45,共6页Journal of Yancheng Institute of Technology（Social Science Edition）

基　　金：国家社会科学基金西部项目(23XJY011);福建省哲学社会科学基础理论研究项目(FJ2024MGCA022);福建省中青年教师教育科研项目(JAT231054)。

摘　　要：从科技创新、绿色金融、人力资本、资源配置、增收减贫等传导渠道,分析数字普惠金融对乡村振兴的影响机制,并建立动态面板数据模型,选取2011年-2020年省际面板数据进行实证分析,得出以下结论:数字普惠金融发展对乡村振兴具有显著动态促进作用,且二者之间存在“倒U”型关系。分地区看,东部地区数字普惠金融的乡村振兴效应最强。此外,互联网普及水平对数字普惠金融促进乡村振兴具有“门槛”效应,表现为当互联网普及率低于47.35%,数字普惠金融的乡村振兴效果将受到制约,反之则得到增强。为此,建议完善农村数字化基础设施建设,加强农村数字化人才培育,持续优化数字普惠金融服务。Through the transmission channels of technological innovation,green finance,human capital,resource allocation,income increase and poverty reduction,this paper analyzes the impact mechanism of digital inclusive finance development on rural revitalization,and selects provincial panel data from 2011 to 2020 to empirically analyze the rural revitalization effect of digital inclusive finance.The following conclusion is drawn.Firstly,the development of digital inclusive finance has a significant dynamic role in promoting rural revitalization.Moreover,there is an inverted U-shaped relationship between digital inclusive finance and rural revitalization.From a regional perspective,the effect of digital finance in promoting rural revitalization is most evident in the eastern region,followed by the central and western regions.In addition,the level of internet penetration has a"threshold"effect on the promotion of rural revitalization by digital inclusive finance,which is manifested as when the internet penetration rate is below 47.35%,the effectiveness of digital inclusive finance in promoting rural revitalization will be constrained,and vice versa,it will be enhanced.Based on these findings,it is suggested to improve the construction of rural digital infrastructure,strengthen the cultivation of rural digital talents,and continue to optimize digital inclusive financial services.

关 键 词：数字普惠金融 乡村振兴 “倒U”型 互联网普及率 SYS-GMM 

分 类 号：F121.4[经济管理—世界经济]