首页|数字普惠金融对城乡融合发展影响机制研究——基于长三角地区经验证据

数字普惠金融对城乡融合发展影响机制研究——基于长三角地区经验证据

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城乡融合发展是缩小城乡差距的重要路径之一,数字普惠金融为中国城乡融合发展提供了动力.以长三角地区地级市 2011-2021 年的面板数据为基础,采用计量模型检验数字普惠金融对城乡融合的影响.研究结果表明,数字普惠金融能显著改善城乡融合发展水平,并能通过影响家庭教育投入促进城乡融合水平;在数字普惠金融的构成维度、经济发展水平和地区上存在异质性.基于此,建议重视数字普惠金融对城乡融合发展的作用,促进要素自主有序流动,提高地区尤其是农村经济发展水平.
Impact mechanism of digital inclusive finance on urban-rural integration development-Empirical evidence based on panel data from the Yangtze River Delta region
Urban-rural integration development is a crucial pathway to narrowing the urban-rural gap,underpinned by the critical role of digital inclusive finance in China's development.Based on data from prefecture-level cities in the Yangtze River Delta region from 2011 to 2021,econometric models were constructed to explore the impact of digital inclusive finance on urban-rural integration.Findings indicate that digital inclusive finance can significantly boost urban-rural integration levels,through its impact on household educational investments;heterogeneity is pervasive in composition dimension of digital financial inclusion,economic development level and region.Consequently,it is recommended to focus on the impact of digital inclusive finance on urban-rural integration development,fostering an autonomous and orderly flow of economic factors,and enhancing regional economic development,particularly in rural areas.

urban-rural integrationdigital inclusive financeeducational investmentYangtze River Delta region

张立、韦震、周建华

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湖州学院经济管理学院 ,浙江湖州 313000

湖州师范学院经济管理学院 ,浙江湖州 313000

城乡融合 数字普惠金融 教育投入 长三角地区

国家社会科学基金一般项目浙江省软科学研究项目

22BJY1452023C35044

2024

浙江科技学院学报
浙江科技学院

浙江科技学院学报

影响因子:0.497
ISSN:1671-8798
年,卷(期):2024.36(2)
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