数字普惠金融对农村包容性增长的影响

Influences of Digital Inclusive Finance on Rural Inclusive Growth

在分析已有相关文献的基础上,首先,构建包容性增长指标评价体系,并对农村包容性增长水平进行测度,发现全国各省的农村包容性增长水平总体呈现波动上升趋势,各省之间存在着较大差异;其次,基于莫兰指数对农村包容性增长的全域关联效应进行分析,结果显示:农村地区包容性增长存在空间正相关性;再次,运用空间面板模型实证研究数字普惠金融对农村地区包容性增长的影响,结果显示:数字普惠金融发展对本地区及周边地区农村包容性增长水平的提高均有正向促进作用;最后,提出对策建议:包容性增长离不开高效率的金融支持,数字普惠金融能发挥金融服务的普惠性,为农村地区的经济包容性增长提供助益。

Based on the analysis of existing related documents,this paper studies the influences of digital inclusive finance on rural inclusive growth.It constructs an inclusive growth index evaluation system and measures the level of rural inclusive growth,and finds out that the growth level of all provinces across the country showed a fluctuating upward trend,and there are large differences among provinces.Analysis of the global correlation effect based on the Moran index on rural inclusive growth shows that there is a positive spatial correlation.The empirical research of using the spatial panel model shows that the development of digital inclusive finance has a positive effect on the improvement of the level of rural inclusive growth in the region and surrounding areas.It puts forward countermeasures and suggestions:inclusive growth cannot be separated from efficient financial support,and digital inclusive finance can provide benefits for inclusive economic growth in rural areas.