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数字普惠金融与城乡融合发展关系研究

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文章以2011-2020 年中国30 个省份的面板数据为基础,构建城乡融合综合指标体系,采用固定效应模型和中介效应模型,深入分析数字普惠金融对城乡融合发展水平的影响与作用途径.研究表明:数字普惠金融能够有效推动城乡融合;在作用机制上,创业是推动城乡融合的有效途径,尤其是通过创业中的农业创业这一关键部分来实现;在异质性方面,数字普惠金融对城乡融合的推动作用具有显著的区域性特征,并且与互联网覆盖率和市场化程度呈正相关关系.
Research on the Relationship Between Digital Inclusive Finance and Integrated Urban-Rural Development
Based on the panel data of 30 provincial-level administrative regions in China from 2011 to 2020,this pa-per constructs a comprehensive indicator system for urban-rural integration,and uses fixed effect model and interme-diary effect model to deeply analyze the impact of digital inclusive finance on the development level of urban-rural in-tegration and the approaches by which the impact works.The research shows that digital inclusive finance can effec-tively promote urban-rural integration.In terms of mechanism,entrepreneurship is an effective way to promote ur-ban-rural integration,especially the entrepreneurship in agriculture.In terms of heterogeneity,digital financial in-clusion has significant regional characteristics in promoting urban-rural integration,and is positively correlated with Internet coverage and marketization degree.

digital financial inclusionurban and rural integrationentrepreneurial activityagricultural entrepre-neurial activity

万光彩、李智玉

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安徽财经大学 金融学院,安徽 蚌埠 233030

数字普惠金融 城乡融合 创业活跃度 农业创业活跃度

2024

河北工程大学学报(社会科学版)
河北工程大学

河北工程大学学报(社会科学版)

CHSSCD
影响因子:0.334
ISSN:1673-9477
年,卷(期):2024.41(3)