数字普惠金融对乡村振兴的影响——以江苏省为例  

The Impact of Digital Inclusive Finance on Rural Revitalization:A Case Study of Jiangsu Province

作　　者：牛伟 仇牧阳 乔桂明[4] NIU Wei;QIU Muyang;QIAO Guiming

机构地区：[1]苏州高博职业学院国际商学院,苏州215000 [2]苏州大学 [3]东北财经大学国际商学院,大连116000 [4]苏州大学商学院,苏州215000

出　　处：《上海商学院学报》2024年第5期72-85,共14页Business Economic Review

基　　金：国家教育部人文社会科学研究青年基金项目“数字金融服务实体经济高质量发展研究:宏观经济与微观机制”(23YJC790206)。

摘　　要：数字普惠金融作为新兴金融服务模式,将大数据、人工智能等前沿金融技术应用于普惠金融服务领域,显著提升了农村金融服务效率,对促进农村产业结构升级、推动乡村振兴具有积极作用。首先基于北京大学数字普惠金融指数的指标体系进行测算,结果显示江苏省数字普惠金融指数逐年稳步增长;然后选取江苏省省级数据进行实证研究,并运用Excel和Stata17.0对样本数据进行处理分析,结果显示江苏省数字普惠金融发展水平快速提升,对乡村振兴产生了显著促进效果。因此,为了更好地推进乡村振兴,我国应当加大数字普惠金融的实施力度,完善面向农村的数字普惠金融体系,从而进一步提升金融服务乡村振兴的能力。Digital inclusive finance,as an emerging financial service model,applies cutting-edge financial technology such as big data and artificial intelligence to the field of inclusive financial services,significantly improving the efficiency of rural financial services,promoting the upgrading of the rural industrial structure and rural revitalization.Based on the indication system of Peking University’s Digital Inclusive Finance Index,this study article first calculates that the digital financial inclusion index of Jiangsu Province has been increasing steadily year by year.Then,provincial-level data of Jiangsu Province is selected for empirical research,and Excel and Stata17.0 are used to process and analyze the sample data.The results show that the development level of digital inclusive finance in Jiangsu Province has rapidly improved,and it has had a significant promoting effect on rural revitalization.Therefore,in order to better promote rural revitalization,China should increase the implementation of digital inclusive finance and improve the digital inclusive finance system for rural areas,thereby further enhancing the ability of financial services to support rural revitalization.

关 键 词：数字普惠金融 乡村振兴 农村经济 

分 类 号：F49[经济管理—产业经济] F832.7F327