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数字普惠金融促进乡村振兴的理论阐释与实证检验 被引量:1

Theoretical Interpretation and Empirical Test of Digital Inclusive Finance Promoting Rural Revitalization
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摘要 数字普惠金融可以通过提高乡村融资的即时获得性、促进资源平衡配置、降低交易成本和风险程度等直接促进乡村振兴战略的实施,并通过增强区域创业活力和优化产业结构等渠道间接为乡村振兴战略的发展提供动能。基于我国省级面板数据构建乡村振兴指数,利用固定效应、门槛效应和中介效应模型考察数字普惠金融对乡村振兴的作用机理,结果发现:数字普惠金融能促进乡村振兴战略的实施,其中存在双重门槛效应,数字普惠金融突破第二重门槛后的促进效果最大;区域创业活力、产业结构优化可以间接赋能数字普惠金融促进乡村振兴战略的实施。基于此,建议加大对数字普惠金融的政策支持力度、完善基础设施建设、提高资金使用效率、加快推进信用体系建设,以更好地推进数字普惠金融服务乡村振兴战略。 Digital inclusive finance can directly promote rural revitalization by improving the immediate availability of rural financing,promoting balanced allocation of resources,and reducing transaction costs and risks.Digital inclusive finance indirectly provides momentum for rural revitalization by enhancing the vitality of regional entrepreneurship and optimizing the industrial structure.This paper constructs an index system of rural revitalization based on China’s provincial panel data,and empirically investigates the mechanism of digital inclusive finance promoting rural revitalization by using fixed effect,threshold effect and intermediary effect models.The findings indicate that digital inclusive finance can promote rural revitalization,and at the same time,there is a double threshold effect;when digital inclusive finance breaks through the second threshold,the promotion effect is the greatest.Additional studies suggest that regional entrepreneurial vitality and industrial structure optimization can indirectly empower digital inclusive finance to foster rural revitalization.Therefore,it is recommended to increase policy support for digital inclusive finance,better infrastructure construction,improve the efficiency of capital use,and accelerate the construction of the credit system,so as to advance digital inclusive financial services for the rural revitalization strategy.
作者 郑兰祥 陈姝灵 ZHENG Lanxiang;CHEN Shuling(School of Economics,Anhui University,Hefei Anhui 230601,China)
出处 《长沙大学学报》 2023年第3期52-60,共9页 Journal of Changsha University
基金 教育部人文社会科学研究项目“中国特色环境分权对我国资源型城市生态效率的影响研究”,编号:22YJC790179。
关键词 数字普惠金融 乡村振兴 作用机制 固定效应模型 digital inclusive finance rural revitalization function mechanism fixed effect model
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