金融学院知识库

全面推进乡村振兴是新时代建设农业现代化的重要任务，是实现“两个一百年”奋斗目标的重大战略决策。这一战略的核心目标是通过改善乡村生产生活条件、提升村民收入水平，实现农业供给侧结构性改革和农村经济优化升级，推动实现城乡全面互补共赢。在乡村振兴的过程中，数字普惠金融能够弥补传统金融机构在乡村地区覆盖不足的局限性，打破金融服务的界限。数字普惠金融凭借其低成本、广覆盖、高便捷等特点，能够有效降低农村地区融资成本，为乡村创业者和农民提供多元化金融产品和服务，满足不同需求，促进农村经济的多元发展。河南省作为我国典型的农业大省，农村地区人口众多、经济发展落后、农村产业薄弱等诸多问题极大限制了河南省全省的经济高质量发展。因此，加快数字普惠金融的建设来助推乡村振兴战略的实施对于河南省具有重要的意义。

本文运用理论与实证相结合的方法，以金融排斥理论、长尾理论、比较优势理论和包容性增长理论为理论基础，探讨数字普惠金融在河南省乡村振兴战略实施过程中起到的作用。选取河南省2012-2021年十七个地级市面板数据，以乡村振兴五大核心维度为核心依据，构建河南省乡村振兴评价体系，作为被解释变量。以北京大学测算的数字普惠金融发展指数为核心解释变量，以各地级市的经济发展水平和互联网发展水平分别作为中介变量与门槛变量。运用双向固定效应模型，中介效应模型和门槛模型，验证数字普惠金融对河南省乡村振兴的直接影响效应，间接影响效应和门槛效应。通过实证检验得出如下结论：第一，数字普惠金融能够对河南省乡村振兴起到正向促进作用，推动乡村振兴的发展；第二，在数字普惠金融对乡村振兴发展过程中经济发展水平发挥着间接影响；第三，数字普惠金融对乡村振兴存在单一门槛效应，当互联网发展水平跨过门槛值时，数字普惠金融对乡村振兴促进作用明显。最后提出以下政策建议：（1）完善金融组织与信用体系建设。（2）强化农村数字基础设施建设。（3）普及金融知识提高乡村居民金融素养。（4）加快培育农业新质生产力。

Comprehensively promoting rural revitalization is an important task in building agricultural modernization in the new era, and is a major strategic decision for realizing the goal of “two hundred years”. The core objective of this strategy is to achieve structural reform of the agricultural supply side and optimization and upgrading of the rural economy by improving the production and living conditions in the countryside and raising the income level of the villagers, so as to promote the realization of a win-win situation for both urban and rural areas in a comprehensive and complementary manner. In the process of rural revitalization, digital inclusive finance can make up for the limitations of traditional financial institutions' insufficient coverage in rural areas and break the boundaries of financial services. With its low cost, wide coverage and high convenience, digital inclusive finance can effectively reduce the financing cost in rural areas, provide diversified financial products and services for rural entrepreneurs and farmers, meet different needs and promote the diversified development of rural economy. As a typical agricultural province in China, Henan Province has a large population in rural areas, backward economic development, weak rural industries and many other problems that greatly limit the high-quality development of the province's economy. Therefore, it is of great significance for Henan Province to accelerate the construction of digital inclusive finance to promote the implementation of rural revitalization strategy.

This paper uses a combination of theoretical and empirical methods to explore the role played by digital inclusive finance in the implementation of the rural revitalization strategy in Henan Province, based on the theoretical basis of financial exclusion theory, long tail theory, comparative advantage theory and inclusive growth theory.Panel data of seventeen prefecture-level cities in Henan Province from 2012 to 2021 are selected to construct the evaluation system of rural revitalization in Henan Province based on the five core dimensions of rural revitalization as the core basis and as the explanatory variables. The digital inclusive finance development index measured by Peking University was used as the core explanatory variable, and the economic development level and Internet development level of each prefecture-level city were used as the mediator and threshold variables, respectively.The two-way fixed effect model, mediated effect model and threshold model are used to verify the direct impact effect, indirect impact effect and threshold effect of digital inclusive finance on rural revitalization in Henan Province.The following conclusions are drawn through empirical tests: first, digital inclusive finance can play a positive role in promoting rural revitalization in Henan Province, and promote the development of rural revitalization; second, the level of economic development plays an indirect influence in the process of the development of digital inclusive finance on rural revitalization; third, there is a single threshold effect on rural revitalization of digital inclusive finance, when the level of Internet development crosses the threshold, the digital inclusive finance on rural revitalization promotion is obvious.Finally, the following policy recommendations are put forward: (1) Improve the construction of financial organizations and credit systems. (2) Strengthen the construction of rural digital infrastructure. (3) Popularize financial knowledge to improve rural residents' financial literacy. (4) Accelerate the cultivation of new agricultural quality productive forces.