数字包容性金融如何增强农村经济的性? - 一项基于中国省级小组数据的研究
Yunlong Ma1, Ruolan Wei1, Huina Bi2
1Department of Business Administration, Kyungil University, Gyeongsan-si, Republic of Korea.
PloS one
|April 9, 2025
概括
数字包容性金融通过改善基础设施和创新来提高农村经济性,特别是在数字化接入强大的地区. 它的影响因地区和经济重点而异.
科学领域:
- 农业经济学 农业经济学
- 农村发展 农村发展
- 金融技术 金融技术
背景情况:
- 农村经济在适应性,转型性和风险抵抗性方面面临挑战.
- 数字包容性金融 (DIF) 为增强经济性提供了一个潜在的解决方案.
- 了解DIF影响的具体机制和区域差异至关重要.
研究的目的:
- 调查数字包容性金融在提高农村经济性方面的作用.
- 确定DIF影响农村经济的道.
- 分析DIF在不同地区和经济结构的影响的异质性.
主要方法:
- 分析了来自中国30个省,市,自治区 (2013-2023) 的数据.
- 计量经济模型评估DIF对农村经济性指标的影响.
- 基于地理区域和经济专业化 (农业与非农业) 的异质性分析.
主要成果:
- 数字包容性金融显著提高了农村经济的适应能力和转型能力.
- 主要影响道是交通基础设施的改善和农村技术创新.
- DIF对抗风险的积极影响很小;其影响力在具有先进的农村数字基础设施的地区更为强大.
- 在东部和西部地区观察到积极影响,但在中部地区没有.
- 与农业省份相比,非农业省份的影响更为明显.
结论:
- 数字包容性金融是提高农村经济性的关键驱动力,主要是通过基础设施和创新.
- 政策干预应侧重于扩大DIF,同时考虑区域特点和数字基础设施发展.
- 定制政策是必要的,以最大限度地发挥DIF的好处,以实现可持续的农村经济发展.
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