农村金融机构数字化转型对县域城乡居民共同富裕的动态影响  

The Dynamic Impact of Digital Transformation of Rural Financial Institutions on the Common Prosperity of Urban and Rural Residents in Counties

作　　者：吴本健[1] 荣奕源 谭睿琦 WU Benjian;RONG Yiyuan;TAN Ruiqi(School of Economics,Minzu University of China,Beijing,China,100081)

机构地区：[1]中央民族大学经济学院,北京100081

出　　处：《贵州大学学报(社会科学版)》2025年第1期53-65,共13页Journal of Guizhou University(Social Sciences)

基　　金：国家自然科学基金面上项目“数字普惠金融与脱贫家庭的发展韧性:理论反思、机制分析与路径优化”(72473173);国家自然科学基金面上项目“新时期的小额信贷与相对贫困治理:理论反思、机制分析及路径优化”(72073151);国家自然科学基金专项项目“数字经济转型对普惠金融体系的影响、机制与应对策略”(72341031)。

摘　　要：共同富裕是社会主义的本质要求,是中国式现代化的重要特征。数字经济时代,县域内农村金融机构数字化转型对城乡居民共同富裕有何影响?本文建立了“发展—共享”的分析框架,分别探讨农村金融机构数字化转型对城乡居民“物质财富”“精神财富”和“基本公共服务”三个方面的理论影响,并使用2010—2021年1200多家农村金融机构及全国农村固定观察点等宏微观数据库进行实证分析,研究发现:(1)农村金融机构数字化转型整体上有利于推动实现县域内部的城乡居民共同富裕,农村居民融资约束缓解、农村产业升级、农村居民消费提高在其中发挥不完全中介作用;(2)农村金融机构数字化转型对县域城乡居民共同富裕水平存在先降低后提高的动态影响,城乡居民的共同富裕水平与农村金融机构的数字化程度之间呈正“U”形关系,该结论在稳健性检验后依旧成立;(3)机构“数据+移动平台”的转型模式对城乡居民共同富裕的推动效果更明显;同时,该推动效果在地形起伏较大和工业水平高的区县效果更明显。The pursuit of common prosperity is an essential requirement of socialism and a significant characteristic of the Chinese-style modernization.Against the backdrop of the digital economy,how does the digital transformation of rural financial institutions influence the realization of common prosperity among urban and rural residents in counties?From the aspects of“development”and“sharing”,by analyzing theoretically the dimensions of material wealth,mental wealth,and basic public services in common prosperity,utilizing data from over 1,200 rural financial institutions and fixed observation points in rural areas from 2010 to 2021,this paper conducts empirical analysis.The study finds that:1)The digital transformation of rural financial institutions,in general,is conducive to promoting the achievement of common prosperity among urban and rural residents in counties,with incomplete mediation effects manifested in mitigating rural residents’financing constraints,upgrading rural industries,and enhancing rural residents’consumption.2)Further research reveals a dynamic U-shaped impact of impact of the digital transformation of rural financial institutions on the level of common prosperity among urban and rural residents in counties,with an initial decrease followed by an increase,and the conclusion remains stable after robustness tests.3)Rural financial institutions that focus on applying the“data+mobile platform”transformation model have a more pronounced effect on promoting the common prosperity of urban and rural residents;at the same time,the effect is more pronounced in districts and counties with greater topographical differences and high levels of industry.

关 键 词：城乡居民共同富裕 农村金融发展 农村金融机构 数字化转型 

分 类 号：F832.5[经济管理—金融学]