地方性商业银行支持乡村振兴的影响因素研究——从年报文本挖掘到fsQCA组态分析  

Research on the Influencing Factors of Local Commercial Banks'support For Rural Revitalization——From Annual Report Text Mining to fsQCA Configuration Analysis

作　　者：王婷 邓晓岚 杨麒立 蔡凌颖 WANG Ting;DENG Xiaolan;YANG Qili;CAI Lingying(School of Finance and Economics,Fuzhou Technology and Business University,Fuzhou,Fujian 350715;School of Economics and Management,Fuzhou University,Fuzhou,Fujian 350108)

机构地区：[1]福州工商学院财经学院,福建福州350715 [2]福州大学经济与管理学院,福建福州350108

出　　处：《管理现代化》2025年第1期40-51,共12页Modernization of Management

基　　金：福建省财政科研资助项目“福建省新型农业经营主体金融服务创新研究”(2023年);福建省自然科学基金“基于信息含量和投资价值的ESG评价体系有效性分析”(2022J05114)。

摘　　要：地方性商业银行是农村金融服务的主力军,在乡村振兴中的作用不容忽视。本文基于“能力-动力-压力”理论框架,应用年报文本挖掘量化结果变量,采用fsQCA方法考察了六种前因条件下的组态效应对地方性商业银行支持乡村振兴的因果复杂机制。研究发现高水平地方性商业银行支持乡村振兴的驱动机制可以归纳为资金充裕驱动型、协同治理推进型、技术创新助推型等,其中财政支持与金融科技应用水平是重要的推动因素,且存在着一定的替代效应。Local commercial banks are the main force of rural financial services,and their role in Rural Revitalization cannot be ignored.Based on the theoretical framework of"ability power pressure",this paper uses the annual report text to mine the quantitative result variables,and uses fsQCA method to investigate the causal complex mechanism of configuration effect on local commercial banks'support for Rural Revitalization under six antecedents.The study found that the driving mechanism of high-level local commercial banks'support for Rural Revitalization can be summarized as capital adequacy driven,collaborative governance driven,and technological innovation driven.Among them,financial support and the level of financial technology application are important driving factors,and there is a certain substitution effect.

关 键 词：地方性商业银行 乡村振兴 fsQCA方法 文本分析 

分 类 号：F832.33[经济管理—金融学]