摘要
基于2010-2019年中国30个省份相关数据,本文构建乡村振兴评价指标体系和普惠金融发展评价指标体系,实证研究中国及中国东部、中部和西部三个地区普惠金融发展对乡村振兴的影响,并进一步探究其作用机制。研究发现:普惠金融能显著促进中国乡村振兴的发展,但地区之间存在较大差异;对于东部地区和中部地区,普惠金融发展促进乡村振兴效果显著,而西部地区普惠金融发展对乡村振兴的影响不显著。作用机制分析表明,普惠金融的覆盖广度渠道和使用深度渠道均能显著促进乡村振兴发展,且覆盖广度渠道作用效果远大于使用深度。最后,建议我国扩大西部地区“三农”领域普惠金融支持力度,提高使用深度渠道的作用效果,并且形成以覆盖广度渠道为主、使用深度渠道为辅的发展模式。
Based on the data related in 30 provinces of China from 2010-2019, this paper empirically investigates the impact of Financial Inclusion Development on rural revitalization in China and three regions in eastern, central and western China by constructing an evaluation index system for rural revitalization and an evaluation index system for Financial Inclusion Development. The study found that Inclusive Finance can significantly promote the development of rural revitalization in China, but there are differences among regions;for the eastern and central regions, the development of inclusive finance has a significant effect on rural revitalization, while the development of inclusive finance in the western region has no significant impact on rural revitalization. The analysis of the mechanism of action shows that both the breadth of coverage channel and the depth of use channel of inclusive finance can significantly promote rural revitalization and development, and the effect of the channel of coverage breadth is much greater than the depth of use.Finally, it is recommended that China expand the support for inclusive finance in the field of “three rural areas” in the western region, improve the effect of using deep channels, and form a development model that mainly covers a wide range of channels and supplements the use of deep channels.
作者
马玉楠
Ma Yunan(GuiZhou University of Finance and Economics)
出处
《金融发展评论》
2022年第9期67-80,共14页
Financial Development Review
基金
国家社会科学基金项目“数字普惠金融缓解城乡资本错配的机理、效应与路径研究”(项目编号:21CJY004)的资助。
关键词
普惠金融
乡村振兴
作用机制
Financial Inclusion
Rural Revitalization
Intrinsic Mechanism of Action
作者简介
马玉楠,金融硕士研究生,贵州财经大学大数据应用与经济学院,Email:1226874872@qq.com。
