县长数字金融知识对县域数字普惠金融的影响研究

The Impact of County Chiefs Digital Finance Knowledge on the Digital Finance Inclusive in Counties

基于对县长个人的问卷调查,测度了县长数字金融知识水平,并分析其对县域数字普惠金融的作用及影响渠道。结果表明,县长高水平的数字金融知识,可以积极促进县域数字普惠金融发展,拓展覆盖广度、增加使用深度。这是通过提高县长数字金融信任水平和降低数字金融认知偏误发挥作用的,即数字金融知识水平高的县长对数字金融的技术信任和市场信任度更高,且对县域数字金融发展现状的认知偏误更低。进一步分析结果显示,在经济发达的县域,县长数字金融知识对县域数字普惠金融的影响更显著。以上发现意味着在官员选任或提升其治理能力时,需重视对其金融知识的考查和提升。

Based on a questionnaire on county chiefs,this paper fristly measured the digital financial knowledge of county leaders,and analyzed its influence on county s digital inclusive finance.We found that higher county chiefs digital financial knowledge level is associated with greater county s digital financial inclusion,digital finance outreach and digital finance depth.This is achieved by improving the trust level of digital finance and reducing the cognitive bias of digital finance.That is,county leaders with high knowledge level of digital finance have higher technical trust and market trust in digital finance,and lower cognitive bias on the development status of digital finance in the county.Further analysis results showed that in economically developed counties,digital financial knowledge of county leaders has a more significant impact on digital financial inclusion in the county.The above findings implied that in the selection of officials or the promotion of their governance ability,attention should be paid to the examination and promotion of their financial knowledge.