登录 EN

添加临时用户

数字普惠金融赋能乡村振兴——基于省级面板数据的分析

Digital Inclusive Finance Empowers Rural Revitalization —Empirical Analysis based on Provincial Panel Data

作者:田雨娇
  • 学号
    2021******
  • 学位
    硕士
  • 电子邮箱
    tia******com
  • 答辩日期
    2023.05.13
  • 导师
    田轩
  • 学科名
    工商管理
  • 页码
    65
  • 保密级别
    公开
  • 培养单位
    060 金融学院
  • 中文关键词
    乡村振兴,数字普惠金融,科技创新
  • 英文关键词
    Digital inclusive finance, rural vitalization, technological innovation

摘要

中国经过脱贫攻坚后,2020年国务院印发了《关于促进乡村产业振兴的指导意见》,随后中共中央和国务院出台了系列指导文件,提出乡村振兴是全面建设社会主义现代化国家,实现中华民族伟大复兴的重要战略之一。本文的主要目的在探讨数字技术革新如何推动金融领域的产品和模式创新,并重点考察数字普惠金融在促进乡村振兴方面是否具有促进作用。随后,重点探讨了数字普惠金融对乡村振兴的影响路径。本论文首先用文献分析的方法梳理了数字普惠金融赋能乡村振兴的文献,形成综述,从理论上阐述了该赋能的一般机制、宗旨与评价;进而论文通过整理2011-2021年我国31个省区的统计数据,利用熵值法构建了衡量乡村振兴发展程度的指标。基于我国31个省区的面板数据和北京大学数字普惠金融指数,根据实证分析结果讨论了数字普惠金融的赋能作用。得出以下结论。第一,数字普惠金融能够显著提升乡村振兴水平,且该影响在进行内生性与稳健性检验后仍然显著存在;第二,数字普惠金融的下属指标,即覆盖广度(coverage)、使用深度(depth)与数字化程度(digital level)均能显著推动乡村振兴水平的提升,且其中覆盖广度与使用深度的影响更为明显;第三,数字普惠金融对乡村振兴的促进作用在中西部地区更为显著,在东部的推动作用不够明显;第四,数字普惠金融对乡村振兴水平提升作用在乡村振兴水平较低的地区更显著,在乡村振兴水平较高的地区提升作用有一定削弱;第五,数字普惠金融主要通过推动科技创新水平的提升,来实现高效服务乡村振兴效率的目标。

The paper provides a solid empirical basis for a comprehensive understanding of the impact of digital inclusive finance has on rural revitalization. After China‘s poverty alleviation, the State Council issued the Guiding Opinions on Promoting the Revitalization of Rural Areas in 2020. After that, the Central Committee of the Communist Party of China and the State Council also issued a series of guiding documents, proposing that rural revitalization is one of the most important tasks for building a socialist modern country in an all-round way.This paper focuses on the application of digital technology in the financial field, analyzes whether digital inclusive finance supports rural revitalization, and focuses on the channels through which digital inclusive finance affects rural revitalization.This paper first sorts out and summarizes the historical literature on the mechanism of digital inclusive finance supporting rural revitalization and development, and then uses the statistical data of 31 provinces and regions in China from 2011 to 2021 to build an indicator of the degree of rural revitalization and development using entropy method, and then uses panel data of 31 provinces and regions in China to explore the impact of digital inclusive finance on rural revitalization. The following conclusions are drawn: Firstly, digital inclusive finance can significantly improve the level of rural revitalization through the empirical analysis, and the impact is still significant after endogenous and robustness tests; Secondly, the coverage, usage depth and digitalization degree of subordinate indicators of digital inclusive finance can significantly promote the improvement of rural revitalization, and the impact of coverage and usage depth is more obvious; Thirdly, digital inclusive finance plays a more significant role in promoting rural revitalization in the central and western regions, but less in the eastern regions; Fourthly, digital inclusive finance plays a more significant role in promoting rural revitalization in areas with lower rural revitalization level, while its role in improving rural revitalization in areas with higher rural revitalization level is somewhat weakened; Last but not least, digital inclusive finance plays a role in improving the level of rural revitalization mainly by promoting the level of scientific and technological innovation.