数字金融对城乡发展差距的影响效应分析——基于产业结构的中介检验

Effect analysis of digital finance on urban-rural development gap——Intermediary test based on industrial structure

为进一步深入探究中国数字金融市场、产业结构和城乡发展差异之间的内部理论逻辑,现以2011—2019年中国省级面板数据为调研样本,首先借助面板回归、GMM模型检验数字金融与城乡发展差距之间的关系,并通过稳健性检验进一步探究数字金融覆盖广度、使用深度及数字化服务程度对城乡发展差距的影响,然后运用中介检验模型对产业结构在这一关系中的作用进行验证。研究结果显示:数字金融的发展在总体上缩小了城乡差异,主要表现在覆盖面的广泛性和应用深度上,且影响程度具有差异性;数字金融能够通过推动产业结构的高级化和产业结构合理化两条路径来缩小城乡发展差距。根据实证研究结果分析,提出了应大力推动发展数字金融在农村地区普及的深度与广度,提高居民教育水平以带动数字化与传统金融模式的结合发展,同时通过合理配置数字金融业资源以达到产业优化发展等措施。这对促进数字金融发展,缩小城乡发展差距具有极其重要的借鉴意义。

In order to further explore the internal theoretical logic among China’s digital financial market,industrial structure and urban-rural development gap,China’s provincial panel data from the year 2011 to 2019 were selected as the research sample to test the relationship between digital finance and urban-rural development gap with the help of the panel regression and the GMM model,and then to probe into the impacts of coverage breadth,depth and digital service level of digital finance on the urban-rural development gap through the robustness test,and finally to verify the role of industrial structure in this relationship by means of the intermediary test model.The results show that the development of digital finance has on the whole converged the differences between urban and rural areas,mainly reflected in the universality of coverage and the depth of application,with varying degree of influence;digital finance can narrow the urban-rural development gap by promoting both advancement and rationalization of industrial structure.According to the analysis of empirical research results,it is proposed that popularization of digital finance should be vigorously promoted in depth and breadth in rural areas,raising residents’education level to drive the combined development of digitization and traditional financial model,and achieving the optimal development of industry through the rational allocation of digital financial resources,which has extremely important reference significance for promoting the development of digital finance and narrowing the urban-rural development gap.