乡村振兴战略下的西部数字普惠金融效率测度及影响因素研究

A Study on the Efficiency Evaluation and Influencing Factors of Digital Inclusive Finance under the Strategy of Rural Revitalization inWestern China

数字普惠金融是乡村振兴进程中农村经济高质量发展的投入保障。基于此,运用DEA模型测度2011-2018年西部地区的数字普惠金融效率及Malmquist指数,并运用面板Tobit模型对数字普惠金融效率的影响因素进行静态与动态分析。研究结果表明:西部地区的数字普惠金融综合效率有所波动,但波动幅度不大,整体效率水平较低;数字普惠金融全要素生产率在样本期间未实现生产效率改善,其主要原因是技术进步速度所限;第一产业发展水平、政府支持程度及人口受教育程度与数字普惠金融效率显著正相关,互联网发展水平、城乡收入差距与数字普惠金融效率显著负相关。

The digital inclusive finance is an input guarantee of the high-quality development of rural economy in rural revitalization.This study evaluates the efficiency and the Malmquist index of digital inclusive finance in western China from 2011 to 2018 by using the DEA model,and makes static and dynamic analyses of the influencing factors of the efficiency by using the Tobit model.The following results were abtained:the integrated efficiency of digital inclusive finance in western China fluctuates within a small range and the overall efficiency was relatively lower;the total factor productivity(TFP)of digital inclusive finance did not improve the production efficiency during the sample period,mainly due to the slow progress of technology;the efficiency of digital inclusive finance had a remarkable positive correlation with the development of the primary industry,government support and education,but a negative correlation with the development of the Internet and the urban-rural income gap.