摘要
随着乡村振兴的深入推进,数字技术与金融持续融合,数字普惠金融在解决“三农”问题上大有可为。本文通过熵值法构建了乡村振兴评价指标,基于北京大学2011-2019年数字普惠金融指数,运用一系列面板基础回归模型和系统GMM等方法对二者的关系进行了实证分析。研究发现,数字普惠金融有利于乡村振兴战略的推进,其中覆盖深度和数字化程度对地区乡村振兴水平的促进作用更为显著。另外,区域性银行涉农贷款占比及农村居民的金融认知水平在其影响过程中起到了部分中介效应。该结论对未来一段时期高效运用数字普惠金融服务乡村振兴和区域性银行的升级转型有一定的意义。
With the in-depth promotion of rural revitalization, digital technology and finance continue to integrate, digital inclusive finance has great potential to solve the "three rural issues". In this paper, the evaluation index of rural revitalization is constructed by entropy method. Based on the digital inclusive finance index of Peking University from 2011 to 2019,by applying a series of panel-based regression models and systematic GMM,this paper empirically analyzes the relationship between digital inclusive finance and rural revitalization.It is found that digital inclusive finance is conducive to the promotion of rural revitalization strategy, and put it specifically, the depth of coverage and the degree of digitalization play a more significant role in promoting regional rural revitalization.In addition, the proportion of agriculture-related loans of regional banks and the level of financial cognition of rural residents play a part of mediating effect in the influencing process.This conclusion has certain significance for the efficient use of digital inclusive financial services for rural revitalization and the upgrading and transformation of regional banks in the future period.
作者
江世银
曹嘉宝
JIANG Shiyin;CAO Jiabao(School of Financo,Nanjing Audit University,Nanjing,Jiangsu,China,211815;Tax Bureau of Changzhi High-tech Industry Develofmenl Zonr,State Taxatioo Administratioo,Changzhi,Shanxi,China,046000)
出处
《贵州大学学报（社会科学版）》
2022年第6期47-60,共14页
Journal of Guizhou University(Social Sciences)
基金
江苏省科研创新项目“数字普惠金融对我国区域性银行涉农贷款影响研究--基于乡村振兴战略视角”(SJCX21_0808)
关键词
数字普惠金融
乡村振兴
熵值法
影响机制
digital inclusive finance
rural revitalization
entropy method
influence mechanism
