摘要
数字普惠金融作为普惠金融理念与先进数字技术的有机结合,正日益成为驱动乡村高质量发展和农业现代化进程的关键要素。为了深入探究数字普惠金融在乡村振兴中的实际成效,本研究基于2011—2022年中国30个省区市面板数据,并运用双向固定效应模型以及中介效应检验等方法进行分析。研究结果显示,数字普惠金融的发展水平提升对于乡村振兴的推进具有显著的促进作用。中介效应揭示,数字普惠金融通过促进产业结构的优化调整和电子商务的蓬勃发展,对乡村振兴产生了积极的推动作用。然而,异质性分析则显示此种正向效应在东部区域表现尤为突出,在中西部区域则相对不显著,甚至在东北区域出现了不利的影响。此外,在文件《推进普惠金融发展规划(2016—2020年)》实施前后,数字普惠金融的提升效果发生了显著变化,从原本的不明显转变为具有明显的推动作用。
Digital inclusive finance,a result of the profound integration between inclusive finance and advanced digital technologies,is progressively emerging as a key driver for fostering high-quality rur-al development and achieving agricultural modernization.Based on the data from 30 provinces,autonomous regions,and municipalities in China spanning from 2011 to 2022,This study explored a thorough understanding of its impact on rural revitalization,employing both fixed effect models and mediation effect assessments.The findings indicated that,advancements in digital inclusive finance positively correlated with enhancements in rural revitalization.Additionally,through mediation ana-lysis,we discovered that,digital inclusive finance bolstered rural revitalization by refining industrial structures and boosting e-commerce development.A regional analysis revealed that,the beneficial ef-fects of digital inclusive finance were most pronounced in the eastern region,whereas they were less significant in the central and western regions and even detrimental in the northeast.Notably,the influ-ence of digital inclusive finance had transitioned from being insignificant to significant around the is-suance of the Plan for Promoting the Development of Inclusive Finance(2016-2020).
作者
张国宝
张子怡
ZHANG Guobao;ZHANG Ziyi(School of Management,Anhui University of Science and Technology,Bengbu 233000,China)
出处
《云南农业大学学报(社会科学版)》
2025年第4期139-145,共7页
Journal of Yunnan Agricultural University(Social Science)
基金
安徽省高等学校哲学社会科学研究项目“数字乡村战略驱动下农村电商产业集群发展研究”(2023AH040269)。
关键词
数字普惠金融
产业结构
电子商务
乡村振兴
digital inclusive finance
industrial structure
e-commerce
rural revitalization
