摘要
数字普惠金融为农村第三产业的发展提供了重要的支持,将数字普惠金融纳入农村第三产业发展框架,通过双重差分模型发现,数字普惠金融有利于促进农村第三产业发展;使用分位数DID(双重差分)方法分析异质性,结论表明:农村第三产业发展存在异质性影响,在农村第三产业发展水平较高的省份,这种影响更为显著;通过构建中介效应模型来验证传导机制,表明政策通过技术创新、农业现代化、农业发展三个方面促进了农村第三产业发展效率的提高。最后,从优化金融生态环境、合理配置金融资源、完善传导机制等方面提出政策建议。
Digital inclusive finance provides important support for the development of the rural tertiary industry.Therefore,the study incorporates digital inclusive finance into the development framework of the rural tertiary industry.Through a dual difference model,it is found that digital inclusive finance is beneficial for promoting the development of the rural tertiary industry;Using the quantile DID(Difference Without Difference)method to analyze the heterogeneity,it is concluded that there is a heterogeneous impact on the development of rural tertiary industry,which is more significant in provinces and cities with higher levels of rural tertiary industry development.By building a mesomeric effect model to verify the transmission mechanism,it is concluded that the policy has promoted the improvement of rural tertiary industry development efficiency through technological innovation,agricultural modernization and agricultural development.Finally,policy recommendations are proposed from optimizing the financial ecological environment,allocating financial resources reasonably,and improving transmission mechanisms.
作者
王康
周君
WANG Kang;ZHOU Jun(Central University of Finance and Economics,Beijing 100081,China;China Post Group Training Center,Shijiazhuang Hebei 050020,China)
出处
《技术经济与管理研究》
北大核心
2023年第5期90-95,共6页
Journal of Technical Economics & Management
基金
河北省社会科学基金项目(HB21YJ058)。
关键词
数字普惠金融
农村第三产业一体化
金融生态环境:双重差分法
Digital inclusive finance
Integration of rural tertiary industry
Financial ecological environment
Differences in differences
