金融学院知识库

农业是满足人们美好生活需要，农村实现高质量发展的物质基础，亦是社会主义现代化强国建设的物质支撑，习近平总书记在十九大报告中首次提出了乡村振兴战略，指出“全面推进乡村振兴是新时代建设农业强国的重要任务”，2023年中央一号文件亦提出要全面推进乡村振兴，加快农业农村现代化发展步伐。可见乡村振兴战略自提出至今，受到了党和国家的充分重视，而农业农村高质高效发展离不开金融力量的支持，在普遍存在融资约束难题的农村地区，随着现代数字化、信息化技术的不断发展渗透，使依托于现代互联网技术的数字普惠金融有了新的用武之地，成为了推动城乡融合发展和促进乡村振兴战略实施的重要金融手段，如若二者能有效结合，则能有效解决农村融资难题，极大提升农村居民的金融获得感，有助于共同富裕伟大目标的实现。因此，系统地研究二者之间的关系有一定的理论及现实意义。

本文正是基于以上背景，通过理论剖析与实证研究相结合的方式深入探讨数字普惠金融发展与乡村振兴水平之间的影响关系，首先，在前人研究的基础上理清二者之间的逻辑内涵与具体作用机制，其次，利用熵值法构建乡村振兴综合指标体系并分析其发展现状，然后选取30个省市自治区2011-2020年相关数据，使用构建的乡村振兴指数与北京大学测度的数字普惠金融指数以基准回归模型探讨二者之间的影响关系，再通过门槛模型对二者之间可能存在的非线性关系进行验证。研究表明：数字普惠金融发展的确能有助于乡村振兴水平的提升，且这种效应存在区域异质性，数字普惠金融发展对乡村振兴的促进作用在中、西部地区比东部地区更大；再者，数字普惠金融发展与乡村振兴水平之间的影响并非线性，而是存在单一门槛效应。最后，据此提出对策建议：一是要加快建设农村地区数字普惠金融基础设施；二是要加速数字普惠金融在区域之间的协同发展步伐；三是要创新多元金融产品，拓宽数字普惠金融应用场景；四是要加强数字普惠金融知识普及，提升农村居民金融素养；五是要完善农村征信体系，加强数字普惠金融风险监管。

Agriculture is the foundation of the construction of socialist modernization power, is to meet the needs of people's better life, realize the material basis of high quality development, xi jinping, general secretary in the report for the first put forward the country revitalization strategy, points out that "promoting rural revitalization is an important task of the new era construction agricultural power", 2023 central file no.1 also put forward to promote rural revitalization, speed up the pace of agricultural and rural modernization development. Visible rural revitalization strategy since the 19th, by the attention of the party and the state, and agriculture and rural development cannot leave the financial power support of high quality, in widespread financing constraints problem in rural areas, with the continuous development of modern digital, information technology penetration, relying on the modern Internet technology of digital pratt & whitney financial has a new place, become the development of urban and rural integration and promote rural revitalization of the strategy implementation of important financial means, if both can effectively combine, can effectively solve the rural financing problem, greatly improve the rural residents' financial acquisition, Help to the realization of the great goal of common prosperity. Therefore, the relationship between the two has certain theoretical and practical significance.

This article is based on this background, To deeply explore the influence relationship between the development of digital inclusive finance and the level of rural revitalization through the combination of theoretical analysis and empirical analysis, first, On the basis of previous research, clarify the logical connotation and specific action mechanism between the two, Secondly, using the entropy method to construct the comprehensive index system of rural revitalization and analyze its development level, Then select relevant data from 2011-2020 from 30 provinces and autonomous regions, To explore the linear relationship with the benchmark regression model, The possible non-linear relationship between the two was then verified by the threshold effect model. The research shows that the development of digital financial finance can indeed contribute to the improvement of rural revitalization, and this effect has regional heterogeneity. The promotion effect of digital financial finance on rural revitalization is greater in the central and western regions than in the eastern regions; moreover, the influence between the development of digital financial finance and rural revitalization is not linear, but there is a single threshold effect. Finally, some countermeasures are put forward: first, strengthen the digital inclusive financial infrastructure construction in rural areas; second, accelerate the coordinated development of digital inclusive finance among regions; third, innovate diversified financial products and broaden the application scenarios of digital inclusive finance; fourth, strengthen the popularization of digital inclusive financial knowledge and improve the financial literacy of rural residents; fifth, improve the rural credit investigation system and strengthen the risk supervision of digital inclusive finance.