作　　者： ;

机构地区： 华南理工大学

出　　处： 《金融经济学研究》 2022年第3期146-160,共15页

摘　　要： 乡村振兴背景下,数字普惠金融为中国城乡融合发展提供了动力。以中国2011—2018年276个城市面板数据为基础,采用面板计量模型实证检验数字普惠金融对城乡融合的影响,研究结果表明,从整体上看,数字普惠金融能显著改善城乡融合发展水平;分维度看,使用深度、数字化程度对城乡融合也起到正向推动作用;从区域上看,发达地区数字普惠金融发展对城乡融合的促进效果强于欠发达地区。中介作用机制表明,要素流动、科技创新、产业结构升级是城乡融合发展的深层次力量。因此,建议相关部门推动农村数字普惠金融的发展,推进乡村信用体系建设,建立城市人才定期服务乡村的制度。 Digital inclusive finance has boosted China’s urban-rural integration and development against the backdrop of rural revitalization efforts.A panel econometric model was used to empirically test the impact of digital inclusive finance on urban-rural integration based on panel data of 276 cities in China from 2011 to 2018.The results showed that overall, digital inclusive finance can significantly improve urban-rural integration and development.Dimensionally speaking, the depth of use and degree of digitization also played a positive role in promoting urban-rural integration.Regionally speaking, the development of digital inclusive finance in developed areas had a stronger effect on promoting urban-rural integration than in less developed areas.The mediating effect mechanism showed that factor flow, scientific and technological innovation, and industrial structure upgrading were the fundamental drivers of urban-rural integration and development.Therefore, it is recommended that relevant authorities promote the development of digital inclusive finance in rural areas and the construction of rural credit systems and establish a system for urban talents to work in the countryside on a regular basis.

关 键 词： 数字普惠金融 城乡融合 要素流动 科技创新 产业结构升级

领　　域： [经济管理—金融学]