乡村振兴背景下数字普惠金融对农村电商 发展水平的影响研究

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作者	陈亚南
姓名汉语拼音	Chen Yanan
学号	2021000005033
培养单位	兰州财经大学
电话	17389843052
电子邮件	ccyynn1108@163.com
入学年份	2021-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	金融
学科代码	0251
第一导师姓名	黄萍
第一导师姓名汉语拼音	Huang Ping
第一导师单位	兰州财经大学
第一导师职称	教授
题名	乡村振兴背景下数字普惠金融对农村电商发展水平的影响研究
英文题名	Digital Financial Inclusion in the Context of Rural Revitalization Research on the Influence of the Development Level of Rural E-commerce
关键词	乡村振兴数字普惠金融农村电商
外文关键词	Rural revitalization ; Digital inclusive finance ; Rural e-commerce
摘要	农业农村的全面发展是实施乡村振兴战略的必要条件之一，这也是党的十九大和二十大报告中所强调的重要内容，而在我国农村地区，电子商务这一新业态的兴起和发展为探索农村发展、农业转型、全面推进乡村振兴注入一股新能量。自2005年中央一号文件首次提出“电子商务”概念之后，中央政府对支持农村电商这一新兴业态的发展都是年年有规划的，2024年中央一号文件又首次提出要实施农村电商高质量发展工程，实现数字经济与农村产业的深度融合，为乡村振兴战略全局添薪助力。中国作为农业大国，农村电商要想实现高质高效发展，就需要金融力量的参与。现代信息化、智能化等技术的不断发展，使数字技术逐渐与普惠金融结合，催生了数字普惠金融的服务模式，该模式有效地解决了我国农村边远地区金融服务缺乏的问题，为扩大农村地区金融的辐射面积、推动乡村振兴提供了重要支撑。如若农村电商与数字普惠金融有机结合，则能有效解决农村电商发展过程中的诸多难题，带动农村电商发展迈向更高质量发展的轨道。本文立足于以上背景，经过全面归纳梳理前人在相关方面的研究理论，深入探究了数字普惠金融与农村电商发展水平之间的影响。首先，以乡村振兴为背景分别分析了数字普惠金融、农村电商的发展现状及二者之间的影响机理；其次，选取2011年——2020年28个省的相关数据，利用熵值法测算出各省的农村电商发展水平，采用北京大学测度的数字普惠金融指数分析二者之间的影响关系。结果表明：一、数字普惠金融能够显著促进农村电商发展，该结论在数字普惠金融及其三个子指标的角度上检验之后均成立；二、数字普惠金融对农村电商发展的正向促进作用存在明显的区域异质性；三、农村人力资本水平对数字普惠金融促进农村电商发展具有正向调节效应。在文章最后，依托于实证研究所得的结论并结合乡村振兴背景给出针对性的对策：一是要强化我国农村的数字普惠金融硬件设施；二是要加强数字普惠金融知识普及，提升农民金融素养；三是促进数字普惠金融在不同区域的均衡协调发展；四是完善农村信用体系建设，净化农村电商生态；五是要加大对数字普惠金融产品服务的创新，确保农村电商的金融服务到位。
英文摘要	The comprehensive development of agriculture and rural areas is one of the necessary conditions for the implementation of the strategy of rural revitalisation, which is also an important content emphasised in the reports of the 19th and 20th CPC National Congresses, and in China's rural areas, the rise and development of e-commerce, a new industry, has injected a new energy into the exploration of rural development, the transformation of agriculture, and the promotion of rural revitalisation in a comprehensive manner. Since 2005, the central government first put forward the concept of‘e-commerce’, the central government to support the development of rural e-commerce as a new industry are planned every year, 2024 the central government put forward for the first time in the first document to the implementation of rural e-commerce high-quality development projects, to achieve the deep integration of the digital economy and the rural industry, to add fuel to the overall situation of rural revitalisation strategy. Rural revitalisation strategy across the board to add fuel. China as a large agricultural country, rural e-commerce to achieve high quality and efficient development, we need the participation of financial power. The continuous development of modern information technology, intelligence and other technologies has gradually combined digital technology with financial inclusion, giving rise to the service model of digital financial inclusion. This model effectively solves the problem of lack of financial services in remote rural areas of China, and provides important support for expanding the radiation area of finance in rural areas and promoting rural revitalisation. If rural e-commerce and digital inclusive finance areorganically combined, it can effectively solve many problems in the development of rural e-commerce and drive the development of rural e-commerce towards a higher quality development track.Based on the above background, this paper comprehensively summarises the previous research theories in the relevant aspects, and in-depth investigation of the impact between digital inclusive finance and the level of rural e-commerce development. Firstly, the development status of digital inclusive finance and rural e-commerce and the role of the mechanism between the two are analysed from a macro perspective; secondly, the relevant data of 28 provinces from 2011 to 2020 are selected, and the rural e-commerce development level of each province is measured using entropy method, and the digital inclusive finance index measured by Peking University is used to analyse the impact relationship between the two. The influence relationship between the two. The results show that: i. digital financial inclusion can significantly promote rural e-commerce development, and this conclusion holds after testing on the perspective of digital financial inclusion and its three sub-indicators; ii. there is obvious regional heterogeneity in the positive promotion of rural e-commerce development by digital financial inclusion; and iii. the level of rural human capital has a positive moderating effect on the promotion of rural e-commerce development by digital financial inclusion. At the end of the article, based on the conclusions of the empirical study and in the context of rural revitalisation, targeted countermeasures are given: firstly, the digital inclusive financial hardware facilities in rural areas of China should be strengthened; secondly, the popularisation of digital inclusive financial knowledge should be strengthened to enhance the financial literacy of farmers; thirdly, the balanced and coordinated development of digital inclusive finance in different regions should be promoted; fourthly, the construction of the rural credit system should be improved to purify the rural e-commerce ecosystem; fifthly, the innovation of digital inclusive financial product and service innovation to ensure that financial services for rural e-commerce are in place.
学位类型	硕士
答辩日期	2024-05-26
学位授予地点	甘肃省兰州市
语种	中文
论文总页数	64
参考文献总数	75
馆藏号	0005763
保密级别	公开
中图分类号	F83/576
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/36504
专题	金融学院
推荐引用方式 GB/T 7714	陈亚南. 乡村振兴背景下数字普惠金融对农村电商发展水平的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2024.

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