摘要
数字乡村建设是国家治理现代化的重要组成部分,对于促进乡村振兴、提升农村经济发展水平和推动社会进步具有重要意义。普惠金融以其普及性、便捷性和可持续性特点,助力偏远和欠发达地区农民增收,推动这些地区数字化转型,成为完善数字乡村建设的重要推动力。文章选取新疆八个县(市、区)的典型案例,运用csQCA方法,系统分析普惠金融在乡村电商、乡村治理数字化、数字农业和智慧绿色乡村等核心变量的交互作用下助力新疆数字乡村建设的实践路径。研究结果表明:(1)普惠金融与乡村治理数字化、数字农业构成的条件组合,为新疆数字乡村建设提供了坚实支撑。(2)普惠金融通过贴息贷款政策与互联网金融深度结合,大幅提升了新疆数字农业与乡村治理的融合度,成为实现新疆数字乡村建设目标的关键要素。(3)普惠金融在推动数字农业发展中发挥重要作用,是助力数字乡村建设的核心驱动力。文章的研究对于厘清普惠金融助力新疆数字乡村建设实践模式的方向与路径,促进新疆数字乡村全面、可持续发展提供了理论支撑和经验证据。
The construction of digital rural areas is a crucial component of modernization of national governance,and plays a significant role in promoting rural revitalization,enhancing the level of rural economic development,and driving social progress.Inclusive finance,characterized by its universality,convenience and sustainability,contributes to the income increase of farmers in remote and underdeveloped areas,driving digital transformation in these areas and becoming a key driver for enhancing digital village construction.This paper selects typical cases from eight counties(cities or districts)in Xinjiang and employs the csQCA method to systematically analyze the interactive effects of inclusive finance on core variables such as rural e-commerce,rural governance digitization,digital agriculture,and smart green rural areas,in order to explore the practical path to Xinjiang's digital rural construction.The research findings show that:firstly,the combination of inclusive finance and the digitization of rural governance and digital agriculture provides solid support for the construction of digital rural areas in Xinjiang;secondly,by deeply integrating subsidized loan policies with internet finance,inclusive finance significantly enhances the integration of digital agriculture and rural governance in Xinjiang,becoming a key element in achieving the goal of building digital villages in Xinjiang;thirdly,inclusive finance plays an important role in promoting the development of digital agriculture and serves as the core driving force for the construction of digital rural areas.This study provides theoretical support and empirical evidence for clarifying the direction and path of inclusive finance in promoting Xinjiang's digital rural construction,and promoting the comprehensive and sustainable development of digital rural areas in Xinjiang.
作者
左喜梅
ZUO Xi-mei(School of Finance,Xinjiang University of Finance and Economics,Xinjiang Collaborative Innovation Research Center for Finance and Finance,Urumqi,Xinjiang,830012)
出处
《新疆大学学报(哲学社会科学版)》
北大核心
2025年第4期89-102,共14页
Journal of Xinjiang University(Philosophy and Social Sciences)
基金
2025年自治区社会科学基金“边疆生态富民视域下新疆生态产品价值实现模式创新研究”(2025BYJ055)
2022年度天池英才计划青年博士项目“数字普惠金融助推新疆乡村振兴的机制与对策研究”。
