贵州财经大学学报

贵州财经大学学报 ›› 2024 ›› Issue (03): 1-10.

• 数字经济 •    下一篇

数字普惠金融能推动数字乡村发展吗

温涛, 赵孝航, 张林   

  1. 西南大学 经济管理学院, 重庆 400715
  • 收稿日期:2023-06-05 出版日期:2024-05-15 发布日期:2024-05-23
  • 作者简介:温涛(1975—),男,重庆江北人,重庆工商大学校长,西南大学经济管理学院教授,博士生导师,研究方向为农村金融与数字金融;赵孝航(2000—),男,山东菏泽人,西南大学经济管理学院研究生,研究方向为数字普惠金融;张林(1986—),男,重庆巫山人,西南大学普惠金融与农业农村发展研究中心常务副主任,西南大学经济管理学院副教授,硕士生导师,研究方向为农村金融与数字普惠金融。
  • 基金资助:
    国家社会科学基金重大项目“实现巩固拓展脱贫攻坚成果同乡村振兴有效衔接研究”(21ZDA062);国家社会科学基金重点项目“建立解决相对贫困的制度体系与长效机制研究”(20AZD080);国家社会科学基金一般项目“农业强国目标下健全农村金融服务体系的机制与路径研究”(23BJY149)。

Can Digital Inclusive Finance Promote Digital villages Development?

WEN Tao, ZHAO Xiaohang, ZHANG Lin   

  1. School of Economics and management, Southwest University, Chongqing 400700, China
  • Received:2023-06-05 Online:2024-05-15 Published:2024-05-23

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摘要： 数字乡村发展离不开金融支持,但由于金融具有逐利、排斥的特性,这使得乡村地区金融资源配置相对不足,而数字普惠金融的出现为缓解这一现象,推动数字乡村发展开辟了新路径。本文基于1716个县域数据,实证分析了数字普惠金融对数字乡村发展的影响效应。研究结果表明,数字普惠金融及其分指数均能显著推动数字乡村发展;数字普惠金融对数字乡村发展的推动作用在东、中、西部地区以及数字普惠金融高、低水平区域存在差异;数字普惠金融对本区域数字乡村发展起着推动作用的同时,还会对周边区域数字乡村发展起抑制作用。为此,在数字乡村发展过程中应牢牢把握数字普惠金融发展所带来的红利,不同区域应因地制宜,在制定差异化数字普惠金融发展政策的同时加强区域间交流合作,协同推进数字普惠金融发展。

关键词: 数字普惠金融, 数字乡村发展, 县域

Abstract: The development of digital villages can’t be separated from financial support. However, due to the profit-seeking and exclusive characteristics of finance, the allocation of financial resources in villages is relatively insufficient. The emergence of digital inclusive finance has opened up a new path to alleviate this phenomenon and promote the development of digital villages. Based on the data of 1716 counties, this paper empirically analyzes the influence of digital inclusive finance on the development of digital villages. The results show that digital inclusive finance and its sub-indices can significantly promote the development of digital villages; The role of digital inclusive finance in promoting the development of digital villages is different in the eastern, central and western regions and in the high and low level regions of digital inclusive finance. Digital inclusive finance not only promotes the development of digital villages in this region, but also inhibits the development of digital villages in surrounding areas. Therefore, in the development of digital villages, we should firmly grasp the dividend brought by the development of digital inclusive finance, and different regions should adjust measures to local conditions, strengthen inter-regional exchanges and cooperation while formulating differentiated digital inclusive finance development policies, and jointly promote the development of digital inclusive finance.

Key words: digital inclusive finance, the development of digital villages, county

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