数字乡村建设与农村金融机构风险承担:影响效应及作用机制  

Digital Village Construction and Risk-taking of Rural Financial Institutions:Impact Effects and Mechanisms

作　　者：吕秀梅[1,2] 张可心 LYU Xiumei;ZHANG Kexin(Institute of Chengdu-Chongqing Economic Zone Development,Chongqing Technology and Business University,Chongqing 400067,China;School of Finance,Chongqing Technology and Business University,Chongqing 400067,China)

机构地区：[1]重庆工商大学成渝地区双城经济圈建设研究院,重庆400067 [2]重庆工商大学金融学院,重庆400067

出　　处：《中南林业科技大学学报（社会科学版）》2024年第4期79-91,共13页Journal of Central South University of Forestry & Technology（Social Sciences）

基　　金：国家社科基金一般项目(19XYJ022)。

摘　　要：在数字乡村建设快速发展背景下,针对其推进过程中部分农村金融机构因风险顾虑而金融支持意愿不强的现象,探究数字乡村建设是抑制还是加剧农村金融机构风险承担,对确保农村金融健康稳定发展具有重要作用。基于北京大学新农村发展研究院发布的2018—2020年县域数字乡村指数与匹配的139家农村金融机构面板数据,构建固定效应模型研究数字乡村建设对农村金融机构风险承担的影响与作用机制。研究发现:数字乡村建设对农村金融机构风险承担存在抑制效应,这种效应因金融机构资产规模和地区经济发展水平不同而产生变化;政府干预具有正向调节作用,“数字乡村建设→扩大贷款规模→抑制农村金融机构风险承担”是其重要传导渠道。数字乡村的建设发展对农村金融机构的风险管理能力产生了积极影响,能为其带来更多发展机遇和创新动力,进而促进农村金融机构的可持续发展,加快农村经济的繁荣与稳定。In the context of the rapid development of digital countryside construction,for the phenomenon that some rural financial institutions are not willing to provide financial support to digital rural construction due to risk concerns,it is important to explore whether digital countryside construction inhibits or exacerbates the risk-taking of rural financial institutions,which is significant for ensuring the stable and healthy development of rural finance.This paper adopts the 2018-2020 county digital village index released by the Institute of New Rural Development of Peking University and the matched panel data of 139 rural financial institutions to construct a fixed-effects model to study the impact and mechanism of digital village construction on the risk taking of rural financial institutions.It is found that there is a suppression effect of digital village construction on the risk-taking of rural financial institutions,which varies according to the asset size of financial institutions and the level of regional economic development;government intervention has a positive regulatory effect,and the“digital village construction→expansion of loan scale→restrain the risk-taking of rural financial institutions”is an important conduction channel.As a result,the construction and development of digital villages has had a positive impact on the risk management ability of rural financial institutions,bringing them more development opportunities and innovative impetus,which is helpful to promote the sustainable development of rural financial institutions and promote the prosperity and stability of rural economy.

关 键 词：数字乡村建设 农村金融机构 风险承担 政府干预 

分 类 号：F830[经济管理—金融学] F832.35