数字普惠金融、农村居民消费与农村经济增长

Digital Inclusive Finance,Rural Residents Consumption and Rural Economic Growth

基于2011—2020年我国31个省域的动态面板数据,采用系统GMM估计方法探究数字普惠金融对于农村经济增长的作用效果和影响机制。研究表明:数字普惠金融对农村经济增长的促进作用在全国层面上显著,且在数字普惠金融覆盖范围、使用深度和数字化程度三个子维度均能够显著促进农村经济增长;数字普惠金融在区域层面上对农村经济增长的促进作用存在异质性,在中西部地区的作用效果更明显;利用中介效应检验机制发现,数字普惠金融能够通过农村居民消费渠道来促进农村经济增长。

Based on the panel data of 31 provinces in China from 2011 to 2020,this paper constructs a dynamic panel model and uses system GMM estimation methods to explore the effect and impact mechanism of digital inclusive finance on rural economic growth.The research shows that digital inclusive finance can promote rural economic growth at the national level,and can significantly promote rural economic growth in the three sub dimensions of digital inclusive finance coverage,depth of use and digital degree.The role of digital inclusive finance in promoting rural economic growth at the regional level is heterogeneous,especially in the central and western regions;using the intermediary effect test mechanism,this paper founds that digital inclusive finance can promote rural economic growth through rural residents'consumption channels.