数字普惠金融对乡村振兴的影响研究 ——以长三角地区为例  

Study on the impact of digital inclusive finance on rural revitalization:a case study of the Yangtze River Delta Region

作　　者：徐超毅[1] 黄昊 XU Chaoyi;HUANG Hao(Anhui University of Science and Technology,Huainan 232001,China)

机构地区：[1]安徽理工大学,安徽淮南232001

出　　处：《技术与市场》2025年第4期122-128,共7页Technology and Market

摘　　要：数字普惠金融作为互联网与普惠金融融合的新业态,对破解农村金融排斥、推动乡村振兴具有重要意义。选取2011—2023年我国长三角经济区26个地级市的数据,引入双向固定效应模型,用SYS-GMM模型进行验证,探析数字普惠金融对乡村振兴水平的影响,并分析财政支持和产业结构所发挥的调节效应。试验表明:长三角地区的数字普惠金融对乡村振兴水平有着显著正向影响,且互联网普及率越高的地区效果越显著;财政支持和产业结构在数字普惠金融方面对乡村振兴水平有着积极的调节作用。As a new format of integration of the internet and inclusive finance,digital inclusive finance is of great significance in solving rural financial exclusion and promoting rural revitalization.Based on this,the article selects the data of 26 prefecture-level cities in China from 2011 to 2023,introduces a two-way fixed effect model,and then verifies it with the SYS-GMM model,in order to explore the impact of digital inclusive finance on the level of rural revitalization,and analyzes the adjustment effect of financial support and industrial structure.Experiments show that digital inclusive finance in the Yangtze River Delta has a significant positive impact on the level of rural revitalization,and the effect is more significant in areas with higher internet penetration;Financial support and industrial structure play a positive role in regulating the level of rural revitalization in digital inclusive finance.

关 键 词：数字普惠金融 乡村振兴 产业结构 财政支持 

分 类 号：F832.7[经济管理—金融学]