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金融科技赋能乡村振兴的空间效应研究

Study on the spatial effects of fintech empowering rural revitalization
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摘要 乡村振兴离不开金融的有效支持,金融科技作为技术驱动的金融创新,能够为乡村振兴提供有力的金融支持。基于金融科技发展对乡村振兴影响机理的分析,选取我国30个省份2012-2021年的面板数据,利用OLS、GMM、IV-2SLS、SDM方法对金融科技赋能乡村振兴的作用进行实证检验。研究发现:第一,金融科技发展对乡村振兴整体及产业兴旺、生态宜居、生活富裕三个子维度有着显著的正向影响,但对治理有效及乡风文明维度的影响不显著;第二,乡村振兴存在显著的正向空间溢出效应,但本地金融科技发展对关联省份乡村振兴具有抑制作用。由此提出加强农村地区金融科技基础设施建设、促进乡村振兴的区域协同发展、推动金融科技产品服务创新、深度融合金融科技与乡风建设、完善乡村治理体系等对策建议。 Rural revitalization relies heavily on effective financial support,and as a technology-driven financial innovation,fintech can provide robust financial backing for rural revitalization.This study examines the mechanism through which fintech development impacts rural revitalization and conducts empirical tests using panel data from 30 provinces,cities,and autonomous regions of China over the period from 2012 to 2021.Regression methods such as OLS,GMM,IV-2SLS,and SDM are employed.The findings are as follows:The findings are as follows:First,fi ntech development has a significant positive impact on rural revitalization overall,as well as on its three sub-dimensions—industrial prosperity,ecological livability,and affluent living.However,the impact on effective governance and rural civilization is not signifi cant.Second,a significant positive spatial spillover effect of rural revitalization is observed,while local fintech development has an inhibitory effect on rural revitalization in related provinces.Based on these fi ndings,the study proposes several countermeasures and suggestions,including strengthening the construction of fintech infrastructure in rural areas,promoting regional synergistic development of rural revitalization,encouraging innovation in fintech products and services,integrating financial technology with rural development,and improving the rural governance system.
作者 谢丽彬 高鹏怀 徐国立 XIE Li-bin;GAO Peng-huai;XU Guo-li(School of Finance and Accounting,Fuzhou University of International Studies and Trade,Fuzhou 350202,China;School of Management,Minzu University of China,Beijing 100081,China;School of Humanities and Social Sciences,Macao Polytechnic University,Macao 999078,China)
出处 《青岛科技大学学报(社会科学版)》 2024年第4期47-56,共10页 Journal of Qingdao University of Science and Technology(Social Sciences)
基金 教育部人文社会科学研究青年基金项目(24YJCZH353)。
关键词 金融科技 乡村振兴 空间效应 fintech rural revitalization spatial effects
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