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数字普惠金融对乡村振兴的影响研究

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数字普惠金融作为数字技术驱动与赋能的普惠金融新模式,已成为助力乡村振兴高质量发展的重要方式.在深入剖析数字普惠金融助推乡村振兴影响机制基础上,采用熵值法测度乡村振兴评价指标体系,选取2011—2021年我国31个省市区面板数据,从多维视角量化分析数字普惠金融对乡村振兴的影响,揭示其调节效应、中介效应与异质效应.研究表明:数字普惠金融显著助推乡村振兴;金融监管强度在数字普惠金融对乡村振兴的影响中发挥调节作用,低强度的金融监管有利于发挥数字普惠金融功能;数字普惠金融分别通过促进技术创新、农村创业活力的正向中介作用助推乡村振兴;数字普惠金融对乡村振兴的影响表现出区域不平衡性,东部发达地区促进效应高于欠发达地区.为此,提出加快发展农村地区数字普惠金融助力乡村振兴提质增效的针对建议.
Research on the Impact of Digital Financial Inclusion on Rural Revitalization
As a new model of inclusive finance driven and empowered by digital technology,digital financial inclusion has become an important way to help rural areas revitalize high-quality development.On the basis of in-depth analysis of the influence mechanism of digital financial inclusion on rural revitalization,this paper measures the evaluation index system of rural revitalization by employing the entropy method,selects the panel data of 31 provinces in China from 2011 to 2021,quantitatively analyzes the influence of digital financial inclusion on rural revitalization from a multi-dimensional perspec-tive,and reveals its regulatory effect,intermediary effect and heterogeneous effect.The research shows that digital financial inclusion significantly promotes rural revitalization;the intensity of financial supervision plays a regulatory role in the influ-ence of digital financial inclusion on rural revitalization,and low-intensity financial supervision is conducive to the func-tion of digital inclusive finance;digital financial inclusion boosts rural revitalization by promoting technological innovation and rural entrepreneurial vitality respectively;the influence of digital financial inclusion on rural revitalization shows region-al imbalance,and the promotion effect of developed areas in the east is higher than that of underdeveloped areas.There-fore,this paper puts forward some suggestions on accelerating the development of digital financial inclusion in rural areas to help rural revitalization,improve quality and increase efficiency.

digital financial inclusionrural revitalizationmoderating effectmediating effectheterogeneous effect

徐云松

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北京语言大学 商学院,北京 100083

数字普惠金融 乡村振兴 调节效应 中介效应 异质效应

中央高校基本科研业务费专项资金资助项目

24QN40

2024

贵州师范大学学报(社会科学版)
贵州师范大学

贵州师范大学学报(社会科学版)

CHSSCD
影响因子:0.261
ISSN:1001-733X
年,卷(期):2024.(5)