数字普惠金融赋能乡村振兴的影响机制与实证检验  

The Influence Mechanism and Empirical Test of Digital Inclusive Finance Enabling Rural Revitalization

作　　者：叶陈毅 郭翯颐 杨蕾 YE Chen-yi;GUO He-yi;YANG Lei(Institute of Economics,Hebei GEO University,Shijiazhuang 050031,China;School of Management,Hebei GEO University,Shijiazhuang 050031,China;School of Management,Shenyang University of Technology,Shenyang 110870,China)

机构地区：[1]河北地质大学经济研究所,河北石家庄050031 [2]河北地质大学管理学院,河北石家庄050031 [3]沈阳工业大学管理学院,辽宁沈阳110870

出　　处：《哈尔滨师范大学社会科学学报》2025年第3期64-70,共7页Journal of Social Science of Harbin Normal University

基　　金：河北省社科基金重点项目“大数据背景下河北加强社会信用体系建设与优化路径研究”(HB23ZT063);河北省社科发展课题项目“河北省农村金融服务信用体系合作治理机制与路径研究”(202402049);北京信用学会重点课题“现代会计信用风险协同治理机制与防控路径研究”(BJCS24A018);河北省研究生创新能力培养项目“数字普惠金融赋能乡村振兴的影响机制与实证检验”(CXZZSS2024114)。

摘　　要：数字普惠金融可以通过农村产业结构升级和农村电商发展赋能乡村振兴,文章基于2011-2022年我国省域面板数据,从理论和实证双重角度探析数字普惠金融赋能乡村振兴的作用效果。结果表明,数字普惠金融可以有效赋能乡村振兴,经过一系列稳健性检验后依然成立;机制分析表明,农村产业结构升级和农村电商发展在其中起到中介作用;进一步分析发现,随着数字普惠金融的发展,其对乡村振兴的赋能效果呈现边际递减趋势。据此提出对策建议,以期为金融政策的更好施行和推进乡村全面振兴提供依据。Digital inclusive finance can empower rural revitalization through the upgrading of rural industrial structure and the development of rural e-commerce.Based on China’s provincial panel data from 2011-2022,this paper analyzes the effects of digital inclusive finance to empower rural revitalization from both theoretical and empirical perspectives.The results show that:first,digital inclusive finance can effectively empower rural revitalization,and it still holds after a series of robustness tests;Second,the sub-dimension of digital inclusive finance has a heterogeneous impact on rural revitalization,and the coverage breadth and depth of use are more prominent.Thirdly,further analysis shows that with the development of digital inclusive finance,its enabling effect on rural revitalization shows a marginal decreasing trend.Accordingly,the paper puts forward countermeasures and suggestions to provide a basis for the better implementation of financial policies and the promotion of comprehensive rural revitalization.

关 键 词：数字普惠金融 乡村振兴 农村产业结构升级 农村电商发展 

分 类 号：F832.7[经济管理—金融学]