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作 者:郭华 GUO Hua(Hunan University of Information Technology School of Management,Changsha 410151,China)
出 处:《乡村科技》2025年第4期68-72,共5页Rural Science and Technology
基 金:2023年度湖南省教育厅科学研究项目“洞庭湖区‘一基二心三化’数智乡村建设体系构建与实践研究”(23C0852)。
摘 要:数字普惠金融作为新兴金融服务模式,将大数据、人工智能等先进金融科技手段融入普惠金融,为乡村振兴提供动力与支撑。利用北大数字普惠金融指数(2015—2022年),基于乡村振兴五大核心要素,使用熵权法测算乡村振兴指数,基于FEM固定效应模型来计算数字普惠金融赋能湖南乡村振兴的发展水平,并通过混合OLS回归、个体固定效应回归、随机效应回归,对数字普惠金融发展对湖南乡村振兴影响机制进行分析与检验。结果显示,数字普惠金融发展对湖南乡村振兴具有积极作用,且存在区域异质性。因此,应全面推动湖南乡村基础设施数字化转型,为数字普惠金融在湖南乡村地区的发展提供重要支撑。此外,要因地制宜,根据不同地区发展特色,提出差异化策略,助力数智乡村建设。Digital inclusive finance,as an emerging financial service tools,integrates advanced financial technology means such as big data and artificial intelligence into the field of inclusive finance to provide impetus and support for rural revitalization.By using the 2015-2022 Peking University Digital Financial Inclusion Index and based on the five core elements of rural revitalization,this study employs the entropy weight method to measure the rural revitalization index and applies the FEM fixed-effect model to calculate the development level of rural revitalization enabled by digital financial inclusion in Hunan.Through mixed OLS regression,individual fixed effect regression and random effect regression,the influence mechanism of digital inclusive financial development on rural revitalization in Hunan was analyzed and tested.The results show that the development of digital inclusive finance positively impacts rural revitalization in Hunan,with regional heterogeneity observed.Therefore,the digital transformation of rural infrastructure in Hunan should be comprehensively promoted to provide important support for the development of digital inclusive finance in rural areas of Hunan.In addition,it is necessary to adapt to local conditions and formulate differentiated strategies according to different regional development characteristics to help the construction of smart villages.
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