摘要
数字金融和电子商务的结合为提升农民收入水平带来了新的机遇,但鲜有文献研究二者的协同效应。本文基于中国政府开展的电子商务进农村综合示范项目进行分析,从数字金融缓解农民融资约束这一角度出发,实证检验了数字金融发展能否提高电商助农效率,研究发现,数字金融发展增强了电子商务促进农民增收的效果,其作用机制是补充传统金融,缓解农民的融资约束。异质性研究表明,在平均受教育程度更高的地区,数字金融发展对电子商务与农民收入之间关系的影响更显著。机制分析发现,相比于政策的其他渠道,网点建设、品牌营销与数字金融的结合,对促进农民收入提升具有更显著的作用。本文研究发现拓展了当前有关数字经济和农民增收的文献,并为新时期乡村振兴和农民增收提供了参考。
In the past decade,China's rural internet infrastructure has been gradually improving,and county-level e-commerce has ushered in an unprecedented period of rapid development,becoming an emerging force that cannot be ignored in the development of China's rural economy.However,due to a lack of financial support,rural e-commerce operators in most areas are constrained by conditions such as venue,personnel,and equipment and are unable to carry out large-scale and standardized production.Most rural e-commerce enterprises,which are small and medium-sized enterprises,have high initial investments,long profit cycles,and face financial constraints,making it difficult for them to survive in the market.The development of digital finance enables rural residents to access low-cost and widely covered inclusive financial services,which provides the possibility for rural residents to scale up production and expand e-commerce operations.Therefore,the development of digital finance may provide solutions to address the shortcomings of the rural e-commerce industry chain and further improve the efficiency of ecommerce in increasing farmers'income.However,the literature often studies the impact of digital finance and e-commerce on farmers'income from a single perspective,neglecting the economic benefits of different digital technologies complementing each other in promoting farmers'income growth.This article analyzes the comprehensive demonstration project of e-commerce in rural areas carried out by the Chinese government.Further,from the perspective of alleviating farmers'financing constraints through digital finance,it empirically tests whether the development of digital finance can improve the efficiency of e-commerce in assisting agriculture.This study matches China's county-level data from2014 to 2018 with the Peking University Digital Inclusive Finance Index and conducts an empirical analysis using a generalized double difference model.It is found that the development of digital finance had improved the effectiveness of e-comme
作者
周亚虹
邱子迅
任欣怡
朱博鸿
ZHOU Yahong;QIU Zixun;REN Xinyi;ZHU Bohong(The School of Economics,Shanghai University of Finance and Economics)
出处
《数量经济技术经济研究》
CSCD
北大核心
2023年第7期70-89,共20页
Journal of Quantitative & Technological Economics
基金
国家自然科学基金面上项目(72173083)
国家自然科学基金重点项目(71833004)的资助。
关键词
数字金融
电子商务
农民增收
电商助农
Digital Finance
E-commerce
Increasing Farmers'Income
E-commerce in Helping Farmers
