数字普惠金融赋能城乡融合——基于产业和城乡协同发展视角

Digital Inclusive Finance Enables Urban-rural Integration——Based on the Perspective of Industry and Urban-rural Synergistic Development

数字普惠金融为破除城乡金融体系二元对立、优化城乡资源配置、助推城乡融合开辟了新路径。本文基于2011-2021年中国地级市面板数据,从产业和城乡协同发展视角分析数字普惠金融赋能城乡融合的作用渠道。研究发现,数字普惠金融有效促进了城乡融合发展。从各维度来看,覆盖广度与使用深度是促进城乡融合的关键,信贷和保险业务发挥了显著的协同效应,数字普惠金融的城乡融合效应在空间和社会维度上显著;在东部、中部地区和农村资金外流程度较轻的地区,数字普惠金融赋能城乡融合的作用更强;数字普惠金融能够促进生产要素在产业和城乡间流动,发挥劳动力转移和产业结构升级的带动作用,间接赋能城乡融合。

Digital inclusive finance opens up a new path to break the dichotomy between urban and rural financial systems,optimize the allocation of resources between urban and rural areas,and promote urban-rural integration.Based on the panel data of prefecture-level cities in China from 2011 to 2021,this article analyses the role channels of digital inclusive finance empowering urban-rural integration from the perspectives of industry and urban-rural synergistic development.Studies have found that digital inclusive finance can effectively promote urban-rural integration.Among the dimensions,the breadth of coverage and depth of use are the keys to promoting urban-rural integration,the development of digital inclusive credit and insurance services exert a significant synergistic effect,and the urban-rural integration effect of digital inclusive finance is significant in the spatial and social dimensions;in the east-central region and the region with a lesser degree of rural capital outflows,digital inclusive finance empowers urban-rural integration to a greater extent.Digital inclusive finance can promote the flow of factors of production between industries and rural and urban areas,play a leading role in labor transferring and industrial structure upgrading,and thus indirectly empower urban-rural integration.