摘要
数字普惠金融发展对农村集体经济发展具有一定的意义。本文从理论层面考察了数字普惠金融对农村集体经济发展的影响效果及作用机制。基于投资决策和社会集体性视角,利用中国家庭追踪调查(CFPS)的数据,考察数字普惠金融对农村集体经济发展的影响。结果表明:首先,总体来讲,数字普惠金融对农村集体经济发展有显著促进作用,效果在不同维度之间有差异,即数字普惠金融覆盖广度发挥的作用要大于使用深度,数字信贷服务发挥的作用要大于数字保险服务。其次,数字普惠金融对农村集体经济发展存在城乡差异与地区差异,农村地区的正向影响要小于城郊,东部的正向影响大于中西部。上述结果意味着提高数字普惠金融发展水平有利于农村集体经济的发展。在此基础上,增加农村地区数字金融基础设施建设投资力度,制定配套数字技术与金融深度融合的政策和条例等措施助力乡村振兴与共同富裕至关重要。
The development of digital inclusive finance has certain significance to the development of rural collective economy.This paper investigates the effect and mechanism of digital inclusive finance on the development of rural collective economy from the theoretical level.Based on the perspective of investment decision and socialcollectibility,this paper uses data from China Household Tracking Survey(CFPS)to investigate the impact of digital financial inclusion on rural collective economic development.The results show that:first,in general,digital inclusive finance plays a significant role in promoting the development of rural collective economy,and the effect is different in different dimensions,that is,the coverage of digital inclusive finance plays a greater role than the depth of use,and the digital credit service plays a greater role than the digital insurance service.Secondly,there are urban and rural differences and regional differences in the development of rural collective economy.The positive impact of digital inclusive finance in rural areas is smaller than that in urban areas,and the positive impact of digital inclusive finance in eastern China is greater than that in central and western China.The above results mean that improving the development level of digital inclusive finance is beneficial to the development of rural collective economy.On this basis,it is crucial to increase investment in the construction of digital financial infrastructure in rural areas and formulate policies and regulations supporting the deep integration of digital technology and finance to promote rural revitalization and common prosperity.
作者
张良
ZHANG Liang(Rural Development Institute,Jiangsu Academy of Social Sciences,Nanjing Jiangsu,210004,China)
出处
《产业组织评论》
2022年第2期18-33,共16页
Industrial Organization Review
基金
国家社科基金“贫困的动态性与精准脱贫后低收入人口实现共同富裕研究”(21BJY242)的阶段性研究成果
关键词
数字普惠金融
农村集体经济
投资性与集体性
异质性
digital inclusive finance
rural collective economy
investability and collectivity
heterogeneity
作者简介
张良,男,1988年出生,河北秦皇岛人,江苏省社会科学院农村发展研究所助理研究员,主要从事农业经济理论与政策、健康经济与劳动经济等方面的研究。
