金融科技发展对农村金融需求满足度的影响研究

Study on the Impact of Financial Technology Development on Rural Financial Demand Satisfaction

本文基于北京大学数字普惠金融指数和涉农贷款数据,采用固定效应回归模型,研究金融科技对不同地区金融需求满足度的影响。结果表明:金融科技在整体上能够提高金融需求满足度,其促进作用在东中西部呈现差异,对东部地区促进作用最为显著,中部次之,西部最弱。进一步研究发现,地方科技财政投入和城镇化率越高的地区,金融科技提高农村金融需求满足度的效果越好,农村金融需求满足度受到金融科技发展的深刻影响。

Based on the data of Peking University digital inclusive financial index and agriculture related loans, this paper uses the fixed effect regression model to study the impact of financial technology on the satisfaction of financial needs in different regions.The results show that financial technology can improve the satisfaction of financial demand as a whole, and its promotion effect is different in the East, central and western regions. The promoting effect is the most significant in the eastern region, followed by the central region, and the west is the weakest.Further research found that the higher the local science and technology financial investment and urbanization rate, the better the effect of financial technology to improve the satisfaction of rural financial needs.The satisfaction of rural financial needs is deeply affected by the development of financial technology.