数字普惠金融对济南市乡村振兴的影响及作用机制研究

Research on the Impact and Mechanism of Digital Inclusive Finance on Rural Revitalization in Jinan City

实现乡村全面振兴离不开数字普惠金融的支持。在分析数字普惠金融促进济南市乡村振兴的影响因素的基础上,测算2014-2021年济南市县域乡村振兴指数,并结合济南市县域样本空间面板数据,运用个体固定效应模型和中介效应模型实证研究数字普惠金融对济南市乡村振兴的影响及作用机制研究,研究发现,数字普惠金融通过缓解信贷约束能够显著促进乡村振兴水平,并且该作用存在区域异质性。

Achieving comprehensive rural revitalization is inseparable from the support of digital inclusive finance.Based on the analysis of the influencing factors of digital inclusive finance promoting rural revitalization in Jinan City,this article calculates the rural revitalization index of Jinan City's counties from 2014 to 2021,and combines it with Jinan City's county sample space panel data to use individual fixed effect models and intermediary effect models.An empirical study was conducted on the impact and mechanism of digital inclusive finance on rural revitalization in Jinan City.The study found that digital inclusive finance can significantly promote the level of rural revitalization by easing credit constraints,and that this effect has regional heterogeneity.