数字普惠金融促进了县域乡村振兴吗?  

Has Digital Inclusive Finance Promoted Rural Revitalization in Counties?

作　　者：邓金钱 谷悦 DENG Jin-qian;GU Yue(School of Economics,Lanzhou University,Lanzhou 730000,Gansu,China)

机构地区：[1]兰州大学经济学院,甘肃兰州730000

出　　处：《西部论坛》2025年第1期97-111,共15页West Forum

基　　金：国家社会科学基金西部项目(22XJL011)。

摘　　要：数字普惠金融能够有效缓解“三农”发展的信贷约束,并产生显著的发展主体培育效应、产业结构升级效应和消费市场扩大效应,从而促进县域乡村振兴。构建县域层面的乡村振兴评价指标体系,采用2014—2022年1615个县域的面板数据分析表明:我国县域乡村振兴水平持续提升,区域差距先扩大后缩小,到2022年东、中、西部的平均水平已十分接近;数字普惠金融显著促进了县域乡村振兴,且三个维度的促进效应均显著,其中使用深度的影响最大,覆盖广度次之,数字化程度的影响最小;数字普惠金融能够通过培育新型农业经营主体、推动农业产业结构升级、提高农民消费水平3条路径来促进县域乡村振兴;数字普惠金融对乡村振兴的促进效应在数字基础设施水平较高的县域和农村居民受教育程度较高的县域中更强。因此,应营造良好的县域数字普惠金融生态,探索数字普惠金融多元化场景,重视乡村的“硬件”完善和“软件”提升,改善创业环境,促进农业升级,强化数字普惠金融促进乡村振兴的作用机制。The comprehensive advancement of rural revitalization is a significant contemporary issue that cannot be achieved without financial support.As a new form of financial development in the digital economy era,digital inclusive finance,with its advantages of wide coverage,low cost,and sustainability,is expected to consolidate and expand the achievements of poverty alleviation and comprehensively promote rural revitalization.Existing studies on the relationship between digital inclusive finance and rural revitalization have mostly focused on the provincial level,while county areas,as the main battleground for the comprehensive advancement of rural revitalization,have rarely been examined from a county-level perspective.This paper constructs an evaluation index system for rural revitalization at the county level and uses panel data from 1,615 counties in China from 2014 to 2022 to systematically examine the impact and mechanism of digital inclusive finance on rural revitalization.The results show that digital inclusive finance can innovate financial service models,activate rural development vitality,and effectively promote rural revitalization.This conclusion remains valid after multiple robustness tests.Digital inclusive finance mainly promotes rural revitalization through the effects of entity cultivation,industrial structure upgrading,and the expansion of consumer markets.Further discussions reveal that different dimensions of digital inclusive finance can all promote rural revitalization,with the depth of use having the most significant effect.The promoting effect of digital inclusive finance on rural revitalization exists in counties with different levels of digital infrastructure and different levels of rural residents’education,but the promotion effect is more fully played in counties with higher levels of digital infrastructure and higher levels of rural residents’education.Compared with previous literature,this paper makes two extensions:First,unlike most existing literature that focuses on the provincial

关 键 词：乡村振兴 数字普惠金融 新型农业经营主体 农业产业结构 农村消费 数字基础设施 

分 类 号：F320.3[经济管理—产业经济] F832