【作者】 张华；

【导师】 李宝新；

【作者基本信息】 河北经贸大学 ， 应用统计硕士（专业学位）， 2024， 硕士

【摘要】 乡村振兴战略是重要国家战略,产业振兴是乡村振兴的首要任务。金融作为实体经济的血脉,在乡村产业发展上具有重要作用,但传统金融服务的发展已经跟不上乡村产业的发展。而数字普惠金融利用数字技术实现了金融服务的广泛覆盖和高效便捷,满足用户多样化的金融需求,弥补了传统金融的短板,从而促进乡村产业的振兴。本文首先对现有的文献进行系统的梳理和总结,深入阐述了数字普惠金融和乡村产业振兴这两个核心概念;然后,基于现有研究成果构建了一个全面的指标体系对乡村产业振兴水平进行评价,并运用熵权-TOPSIS法对我国2011至2021年间各省市的乡村产业振兴发展水平进行计算,并对数字普惠金融和乡村产业振兴现状进行了描述分析;此外,通过莫兰指数对各地区数字普惠金融和乡村产业振兴的空间关联性进行分析;最后,通过各项检验选择建立双向固定的空间杜宾模型研究数字普惠金融对乡村产业振兴的作用,并综合以上各部分结论为相关部门提出建议。研究发现,(1)我国30个省市的数字普惠金融和乡村产业振兴水平随着时间的推移呈现逐步上升的趋势,其中在数字普惠金融上,东部地区高于全国均值,各区域间的差异正逐步缩减,在乡村产业振兴水平上,东北地区和东部地区高于全国均值,西部地区和中部地区与全国均值之间还有一定差距。(2)2011-2021年我国的数字普惠金融和乡村产业振兴存在正向的空间相关性,即地区聚集分布以数字普惠金融和乡村产业振兴发展水平较高和较低的地区为主。(3)通过空间杜宾模型的结果可知,数字普惠金融的直接效应和间接效应均显著为正,说明数字普惠金融能够正向促进本省和邻省的乡村产业振兴。其中地方经济水平和财政支农力度对乡村产业振兴的直接效应显著为正,说明地方经济水平和财政支农力度对本省乡村产业振兴具有显著的促进作用,城乡差距对乡村产业振兴的直接效应显著为负,说明城乡差距对本省乡村产业振兴具有显著的抑制作用。最后,针对研究结论与问题提出相关建议。更多还原

【Abstract】 Rural revitalisation strategy is an important national strategy,and industrial revitalisation is the primary task of rural revitalisation.Finance,as the bloodline of the real economy,has an important role in the development of rural industry,but the development of traditional financial services has failed to keep up with the development of rural industry.And digital inclusive finance uses digital technology to achieve a wide coverage of financial services and efficient and convenient,to meet the diversified financial needs of users,to make up for the shortcomings of traditional finance,so as to promote the revitalisation of rural industries.In this thesis,we first systematically sort out and summarise the existing literature,and deeply elaborate the two core concepts of digital inclusive finance and rural industry revitalisation;then,based on the existing research results,we constructed a comprehensive indicator system to evaluate the level of rural industry revitalisation,and used the entropy-weight-TOPSIS method to calculate the level of rural industry revitalisation development of provinces and cities in China between 2011 and 2021.And the current situation of digital inclusive finance and rural industry revitalisation is described and analysed;in addition,the spatial correlation between digital inclusive finance and rural industry revitalisation in each region is analysed through the Moran index;finally,a two-way fixed spatial Durbin model is chosen to be established through various tests to study the role of digital inclusive finance on rural industry revitalisation,and the conclusions of the above parts are synthesized to provide suggestions for the relevant departments.The study finds that(1)the levels of digital financial inclusion and rural industry revitalisation in 30 provinces and cities in China show a gradual upward trend over time,in which the eastern region is higher than the national average in terms of digital financial inclusion,and the differences between regions are gradually shrinking,and in terms of the level of rural industry revitalisation,the northeastern and eastern regions are higher than the national average,and there is still some The gap is still there between the western and central regions and the national average.(2)There is a positive spatial correlation between digital inclusive finance and rural industry revitalisation in China from 2011 to 2021,i.e.,the distribution of regional aggregation is dominated by regions with higher and lower levels of digital inclusive finance and rural industry revitalisation development.(3)The results of the spatial Durbin model show that both the direct and indirect effects of digital financial inclusion are significantly positive,indicating that digital financial inclusion can positively promote the revitalisation of rural industries in this province and neighbouring provinces.Among them,the direct effect of local economic level and financial support for agriculture on rural industry revitalisation is significantly positive,indicating that the local economic level and financial support for agriculture have a significant role in promoting the revitalisation of rural industry in this province,and the direct effect of urban-rural gap on rural industry revitalisation is significantly negative,indicating that urban-rural gap has a significant inhibitory effect on the revitalisation of rural industry in this province.Finally,relevant suggestions are put forward for the research conclusions and problems.更多还原