数字普惠金融对西南地区乡村振兴的影响研究

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作者	周昆
姓名汉语拼音	Zhou Kun
学号	2021000005106
培养单位	兰州财经大学
电话	18180013806
电子邮件	1147690164@qq.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	数字普惠金融对西南地区乡村振兴的影响研究
英文题名	Digital inclusive finance for rural revitalization in southwest China The influence of the study
关键词	数字普惠金融乡村振兴固定效应模型异质性分析
外文关键词	Digital inclusive ; Finance rural revitalization ; Fixed-effect model ; Analysis of heterogeneity
摘要	乡村发展是建设社会主义现代化强国和实现高质量发展的关键一环，其艰巨性和繁重性不容忽视。从党的十九大到二十大，从明确指出要实施乡村振兴战略，解决长久以来存在的“三农”问题，到进一步强调全面推动乡村振兴的重要性，随着乡村振兴战略的不断推进，中国特色社会主义乡村振兴道路的独特气质和优势日益显现，展现出鲜明的时代特征。与此同时在“十四五”规划纲要中，农业农村被赋予优先发展的重要地位，还特别强调全面推动建设数字农村和数字普惠金融服务等前进方向。以便将更多金融资源投入“三农”领域，以更好地满足农村多层次金融需求。数字普惠金融作为一种金融科技的创新手段，为乡村振兴注入了新的活力。尽管数字普惠金融在城市地区的发展日趋成熟，但其在乡村地区的应用与推广仍面临一系列挑战。诸如基础设施不完善、信息不对称、金融服务供给不足等问题，限制了数字普惠金融在乡村振兴中的发挥作用。因此，有必要对数字普惠金融在乡村振兴中的影响进行深入研究，以探索其潜在作用和机制，为乡村振兴战略的实施提供科学依据和政策建议。本文在上述背景下，通过理论剖析与实证研究的有机结合，对数字普惠金融与乡村振兴之间的深层次联系进行了系统的探究。起始，本文对两者内涵及理论逻辑进行详尽的剖析。同时对两者发展现状进行了描述，之后利用熵值法建立乡村振兴的综合评价体系，并对其进行了全面的分析。本研究选取 2013 年至 2022 年西南地区五个省、市、自治区的相关数据，结合计算的乡村振兴指数与北京大学测量的数字普惠金融指数，通过构建基准回归模型，深入分析两者间的线性关系。研究结果表明，数字普惠金融对乡村振兴的推动具有显著效应，且这种效应在不同区域呈现出差异性。结论显示，数字普惠金融对西南地区乡村振兴的促进效果在经济较发达区域表现出更为显著的正向影响，而在经济较落后区域的影响则相对较弱。最后，据此提出对策建议：第一，制定区域性数字金融发展策略；第二，开发定制化金融产品与服务方式；第三，拓宽创新技术应用新场景；第四，注重金融科技人才培养；第五，加强政策支持和完善监管机制。
英文摘要	Rural development is a key link in building a modern socialist country and achieving high-quality development, and its difficulty and onerous cannot be ignored. From the party's 19 to 20, from the clear to implement the strategy of rejuvenating the country, solve the problem of "three rural" for a long time, to further emphasize the importance of comprehensively promote rural revitalization, with the advancement of rural revitalization strategy, rural revitalization of socialism with Chinese characteristics road unique temperament and advantages, show the distinct characteristics of The Times. At the same time, in the outline of the 14th Five-Year Plan, agriculture and rural areas have been given the important priority of development, and special emphasis has been placed on the direction of comprehensively promoting the construction of digital rural areas and digital inclusive financial services. In order to put more financial resources into the "agriculture, rural areas" to better meet the multi-level financial needs of rural areas. As an innovative means of fintech, digital inclusive finance has injected new vitality into rural revitalization. Although the development of digital inclusive finance is becoming increasingly mature in urban areas, its application and promotion in rural areas still face a series of challenges. Problems such as imperfect infrastructure, information asymmetry and insufficient supply of financial services have limited the role of digital inclusive finance in rural revitalization. Therefore, it is necessary to conduct in-depth research on the impact of digital inclusive finance in rural revitalization, to explore its potential roles and mechanisms, and provide scientific basis and policy suggestions for the implementation of rural revitalization strategy. Under the above background, this paper systematically explores the deep connection between digital inclusive finance and rural revitalization through the organic combination of theoretical analysis and empirical research. Initially, this paper analyzes the connotation and theoretical logic in detail. At the same time, the development status of the two is described, and then the comprehensive evaluation system of rural revitalization is established by entropy method, and a comprehensive analysis is made. In this study, we selected the relevant data of five provinces, municipalities and autonomous regions in southwest China from 2013 to 2022, combined with the calculated rural revitalization index and the digital financial inclusion index measured by Peking University, and deeply analyzed the linear relationship between the two by constructing a benchmark regression model. The research results show that digital inclusive finance has a significant effect on the promotion of rural revitalization, and this effect is different in different regions. The conclusion shows that the promotion effect of digital inclusive finance on rural revitalization in southwest China shows a more significant positive impact in economically developed regions, while the impact in economically backward areas is relatively weak. Finally, the countermeasures and suggestions are put forward: first, to develop regional digital financial development strategies; second, to develop customized financial products and services; third, to broaden the new scenarios for the application of innovative technology; fourth, to pay attention to the training of fintech talents; fifth, to strengthen policy support and improve the supervision mechanism.
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	69
参考文献总数	67
馆藏号	0005834
保密级别	公开
中图分类号	F83/647
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/36629
专题	金融学院
推荐引用方式 GB/T 7714	周昆. 数字普惠金融对西南地区乡村振兴的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2024.

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