揭示数字包容性金融对城乡一体化的非线性影响:对中国的一个值小组分析
Ying Song1, Yuanping Cao1, Zhiyi Zhuo2
1Green Development Research Center, Wuyi University, Fujian, China.
PloS one
|February 20, 2026
概括
数字包容性金融 (DIF) 显著影响城乡一体化 (URI),但只有在跨越发展门之后. 政策应优先考虑覆盖率较低的地区的接入,以及先进地区的使用/保护措施.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 信息系统信息系统信息系统
背景情况:
- 城乡融合 (URI) 对平衡发展至关重要.
- 数字包容性金融 (DIF) 为金融包容性提供了新的途径.
- 了解DIF和URI之间的非线性关系对于政策至关重要.
研究的目的:
- 调查数字包容性金融 (DIF) 对中国城乡融合 (URI) 的非线性影响.
- 为了确定DIF对URI的值效应和取决于制度的影响.
- 为优化 DIF 在促进 URI 方面的作用提供政策建议.
主要方法:
- 利用了中国大陆 (2011-2023) 的省级面板数据.
- 构建了一个多维URI索引,并将DIF分解为覆盖范围 (D1),使用 (D2) 和数字化 (D3).
- 采用双向固定效应模型和汉森式面板值回归与引导推断,包括稳定性检查.
主要成果:
- DIF对URI的影响是非线性和取决于制度,在关键值之后出现了显著的回报.
- 使用深度 (D2) 始终推动URI,而覆盖范围 (D1) 和数字化 (D3) 的好处在数字成熟的环境中是突出的.
- 传统金融的回报率正在下降,这凸显了数字金融的催化作用.
结论:
- 对于 DIF 和 URI 的政策干预应该是门意识的.
- 优先考虑覆盖率较低的地区的基础访问,并专注于先进地区的使用,互操作性和风险管理.
- 结果协调了相互矛盾的先前研究,并为为均衡的区域发展制定有针对性的政策提供了信息.
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