金融科技对我国农村电商发展的影响研究——基于新型城镇化的中介效应

Research on the Influence of Financial Technology on the Development of Rural E-Commerce in China—Intermediary Effect Based on New Urbanization

金融科技带来的产品创新与服务创新降低农村电商发展的金融障碍,促进了农村电商蓬勃发展。从理论上看,金融科技在农村电商发展过程中展现出明显的助推效果,但二者间的机制作用还有待进一步的研究。因此,本文以金融科技和农村电商发展为研究对象,同时构建新型城镇化指标作为中介变量,选取全国31个省市2014~2022年作为样本,建立固定效应模型与中介效应模型,探究金融科技对农村电商发展的影响,以及引入新型城镇化指标进一步分析在二者间的机制作用。研究结果表明:1) 金融科技在推动农村电商发展中具有显著的促进作用;2) 新型城镇化能在金融科技与农村电商发展间发挥正向的中介效应作用。最后,提出相关政策性建议。Product innovation and service innovation brought by financial technology reduce the financial obstacles to the development of rural e-commerce and promote the vigorous development of rural e-commerce. Theoretically, financial technology shows obvious boosting effect in the development of rural e-commerce, but the mechanism between them needs further study. Therefore, this paper focuses on financial technology and the development of rural e-commerce as the research subjects. It also constructs new urbanization indicators as intermediary variables and selects 31 provinces and cities in China from 2014 to 2022 as samples. By establishing fixed effect models and intermediary effect models, this study explores the impact of financial technology on the development of rural e-commerce and the mediating role of new urbanization in this relationship. The results show that: 1) Financial technology plays a significant role in promoting the development of rural e-commerce;2) New urbanization plays a positive intermediary role between financial technology and rural e-commerce development. Finally, some policy suggestions are put forward.