数字普惠金融发展对城乡融合影响的实证分析  

Empirical Analysis of the Impact of Digital Inclusive Finance Development on Urban-Rural Integration

作　　者：吴忆莲 刘艳华 WU Yilian;LIU Yanhua(School of Business,Anhui University of Technology,Ma’anshan 243032,Anhui,China)

机构地区：[1]安徽工业大学商学院,安徽马鞍山243032

出　　处：《安徽工业大学学报(社会科学版)》2024年第5期1-7,共7页Journal of Anhui University of Technology:Social Sciences

基　　金：国家社科基金一般项目:政府嵌入的小额信贷精准扶贫政策有效性研究(18BGL168)。

摘　　要：利用耦合协调度模型测算出2011—2020年各省份城乡融合水平,并运用固定效应模型、系统GMM模型及门槛效应模型探究数字普惠金融与城乡融合之间的关系。研究发现,数字普惠金融对城乡融合发展有正向促进作用且效果显著;数字普惠金融对要素合理配置、基础设施一体化和乡村经济多元化维度的影响效果和显著性要高于公共服务普惠共享和生态环境保护;数字普惠金融的覆盖广度维度对城乡融合有正向促进作用,但使用深度和数字化程度维度对城乡融合的影响并不显著;数字普惠金融对城乡融合、基础设施一体化、乡村经济多元化和生态环境保护的影响具有单一门槛特征。This article uses the coupling coordination model to calculate the level of urban-rural integration in various provinces from 2011 to 2020,and explores the relationship between digital inclusive finance and urban-rural integration using the fixed effects model,system GMM model and the threshold effect model.The research found that digital inclusive finance has a significant positive promoting effect on urban-rural integration.The impact effect and significance of digital inclusive finance on the dimensions of rational allocation of factors,integrated infrastructure and diversified rural economy are higher than those on the dimensions of inclusive and shared public services and ecological environment protection.The coverage breadth dimension of digital inclusive finance has a positive promoting effect on urban-rural integration,but the use depth and digitalization degree dimensions have no significant impact on urban-rural integration.The impact of digital inclusive finance on urban-rural integration,integrated infrastructure,diversified rural economy and ecological environment protection has a single threshold characteristic.

关 键 词：数字普惠金融 城乡融合 耦合协调度 

分 类 号：F49[经济管理—产业经济] F832