数字普惠金融对农业碳减排的作用机理与实证检验

LZUFE-KMS > 金融学院

作者	乔梦真
姓名汉语拼音	qiaomengzhen
学号	2020000005035
培养单位	兰州财经大学
电话	17864387265
电子邮件	1907889591@qq.com
入学年份	2020-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	应用经济学
学科代码	0251
第一导师姓名	方来
第一导师姓名汉语拼音	fanglai
第一导师单位	兰州财经大学
第一导师职称	教授
题名	数字普惠金融对农业碳减排的作用机理与实证检验
英文题名	The Mechanism And Empirical Test of Digital Inclusive Finance on Agricultural Carbon Emission Reduction
关键词	数字普惠金融农业碳排放强度中介效应
外文关键词	Digital inclusive finance ; Agricultural carbon emission intensity ; Intermediary effect
摘要	2020 年 9 月 22 日，习近平主席在第七十五届联合国大会一般性辩论上提出“碳达峰”“碳中和”的目标，二氧化碳排放力争于 2030 年前达到峰值，努力争取 2060 年前实现碳中和。2021 年 3 月，习主席主持召开中央财经委员会第九次会议，重申“双碳”目标对于生态文明建设的重要性，强调“十四五”时期对于全国绿色低碳转型的关键，我们需要利用这个窗口期，加快绿色转型步伐，坚定不移地走绿色发展之路。随着数字经济深入发展，依托云计算、大数据、人工智能等金融科技底层技术，将数字技术与“双碳”目标有机融合，用数字化路径实现农业“双碳”目标和农业绿色转型成为可能。数字普惠金融以信息技术为载体打破了传统金融在地域范围、使用深度等方面的桎梏，其本身“普惠+数字化”的特性可以有效缓解农村融资难、融资贵的难题，提高资源利用效率，为农业碳减排做出贡献，本文以此为依据展开叙述，分析如何在经济发展的同时降低农业碳排放强度，因此本文通过探究两者之间的内在联系，从而寻求未来农业转型升级、高速优质发展的可靠路径。本文首先明确了数字普惠金融和碳排放的内涵，梳理了金融和低碳农业的相关理论基础，认为数字普惠金融的发展会通过改变农户行为进而降低农业源头的碳排放强度，并以此作为后续研究的理论支撑，从直接和间接两个层面，产业调整、提高农民创业积极性、提高农产品贸易以及农业技术进步四个角度解读了数字普惠金融对农业碳减排的作用机理。在理论分析的基础上，以北大普惠金融指数为基础分析我国数字普惠金融的发展现状，发现其整体呈现上升的发展趋势，东西地区发展差异明显。由此同时，借鉴田云等的研究结果，采用主成分分析法从化肥施用量、农药使用量、农膜使用量、农作物灌溉面积和农产品总播种面积5 个角度构建 2011-2020 年农业碳排放的指标体系，此结果与农林牧副渔生产总值的比例表示本文的研究主体——碳排放强度，并基于DEA-Malmquist指数模型测算出2011-2020年中国31个省市的农业全要素生产率，以此作为农业技术进步的衡量指标。根据测算结果，探究了数字普惠金融和农业碳排放量的时空差异特征。为了进一步探明两者之间的数量关系，实证分析了数字普惠金融发展水平和农业碳排放强度之间的影响效果，同时运用了中介效应模型，引入农业技术进步作为中介变量，深入分析农业技术进步在数字普惠金融对农业碳排放强度的影响中发挥的中介作用。本文采用固定效应的中介模型研究发现：第一：数字普惠金融发展水平整体呈上升趋势，东西地区差异明显。第二，农业碳排放总量在2011-2020年间呈倒U型，呈现出快速增长然后缓慢下降的趋势，2015年是个转折点，碳排放强度呈现先缓慢下降后急速下降的趋势，2017年是个节点。第三，数字普惠金融对农业碳排放强度起着明显的抑制作用，在此基础上，本文进一步引入中介变量，实证检验了农业技术进步在其中发挥着中介作用,且数字普惠金融对于农业碳减排的作用效果具有区域异质性。最后基于研究结论提出了搭建金融与环保服务平台、设置专项资金，鼓励农民创新、金融机构下沉市场以及深化农业领域的供给侧改革等对策建议。
英文摘要	In March 2021, President Xi presided over the ninth meeting of the Central Financial and Economic Commission, reiterating the importance of the "dual carbon" goal for the construction of ecological civilization, and emphasizing the key of the "14th Five Year Plan" period for the national green and low-carbon transformation. We need to use this window period to accelerate the pace of green transformation follow the path of green development. With the in-depth development of the digital economy, relying on underlying financial technology technologies such as cloud computing, big data, and artificial intelligence, it is possible to organically integrate digital technology with the "dual carbon" goal in agriculture and achieve the "dual carbon" goal and green transformation of agriculture using a digital path. Using information technology as a carrier, digital inclusive finance has broken the shackles of traditional finance in terms of geographical scope and depth of use. Its own "inclusive+digital" characteristics can effectively alleviate the difficulties and expensive financing in rural areas, improve resource utilization efficiency, and contribute to agricultural carbon emission reduction. This article describes how to reduce agricultural carbon emissions while developing the economy, Therefore, this article explores the internal relationship between the two, in order to seek a reliable path for future agricultural transformation and upgrading, high-speed and high-quality development. This article first clarifies the connotation of digital inclusive finance and carbon emissions, combs the relevant theoretical basis of finance and low-carbon agriculture, and believes that the development of digital inclusive finance will reduce the intensity of carbon emissions from agricultural sources by changing farmers' behavior, which serves as a theoretical support for subsequent research. From both direct and indirect levels, industrial adjustment, improving farmers' entrepreneurial enthusiasm The mechanism of digital inclusive finance in reducing agricultural carbon emissions is interpreted from four perspectives: improving agricultural product trade and agricultural technology progress. On the basis of theoretical analysis, based on the Peking University Inclusive Finance Index, the development status of digital inclusive finance in China is analyzed, and it is found that its overall development trend is on the rise, with significant differences between eastern and western regions. At the same time, based on the research results of Tian Yun et al., a principal component analysis method was used to construct an indicator system for agricultural carbon emissions for 2011-2020 from five perspectives: chemical fertilizer application amount, pesticide use amount, agricultural film use amount, crop irrigation area, and total sown area of agricultural products. The ratio of this result to the gross domestic product of agriculture, forestry, animal husbandry, and fisheries represents the main body of this study - carbon emission intensity, Based on the DEA-Malmquist index model, the agricultural total factor productivity of 31 provinces and cities in China from 2011 to 2020 was calculated as a measure of agricultural technological progress. Based on the measurement results, the spatiotemporal differences in carbon emissions from digital inclusive finance and agriculture were explored. In order to further explore the quantitative relationship between the two, an empirical analysis was conducted on the impact of digital inclusive finance development level and agricultural carbon emission intensity. At the same time, a mediation effect model was used, introducing agricultural technology progress as a mediator variable, to deeply analyze the intermediary role of agricultural technology progress in the impact of digital inclusive finance on agricultural carbon emission intensity. This article uses a fixed effect intermediary model to study and find: First, the overall development level of digital inclusive finance is on the rise, with significant differences between eastern and western regions. Secondly, the total agricultural carbon emissions showed an inverted U-shaped pattern from 2011 to 2020, showing a trend of rapid growth and then slow decline. 2015 was a turning point, with the carbon emission intensity showing a trend of slow decline first and then rapid decline. 2017 was a milestone. Thirdly, digital inclusive finance has a significant inhibitory effect on the intensity of agricultural carbon emissions. On this basis, this article further introduces intermediary variables to empirically test the intermediary role played by agricultural technology progress. Finally, based on the research conclusions, countermeasures and suggestions are proposed to build a financial and environmental protection service platform, set up special funds, encourage farmers' innovation, sink financial institutions into the market, and deepen supply side reform in the agricultural field.
学位类型	硕士
答辩日期	2023-06-03
学位授予地点	甘肃省兰州市
语种	中文
论文总页数	65
参考文献总数	50
馆藏号	0005098
保密级别	公开
中图分类号	F83/523
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/34270
专题	金融学院
推荐引用方式 GB/T 7714	乔梦真. 数字普惠金融对农业碳减排的作用机理与实证检验[D]. 甘肃省兰州市. 兰州财经大学,2023.

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