金融经济学研究

选取中国东、中、西部15个省市样本数据,利用Cov层次分析法(Cov-AHP)和正交偏向最小二乘回归模型(OPLS),分别对中国农村地区数字普惠金融发展水平和影响因素进行了实证分析。研究发现,当前中国农村地区数字普惠金融发展水平整体较低,东西部之间数字普惠金融发展水平有较大差异;农村地区数字普惠金融发展与收入水平、城镇化水平、教育水平呈正相关关系,其中人均收入水平和城镇化水平在各因素中重要性最大,而存款贷款比例、少数民族人口占比与农村数字金融发展水平呈现负相关关系。建议充分利用金融机构推出的手机银行、短信银行、微信公众号等数字金融渠道,提高农村居民的数字金融意识,促进农村数字金融的平稳有序发展,使之更好地服务于当前的乡村振兴发展战略。

Data from 15 provinces and cities in eastern,central,and western China are selected as the sample,and an empirical analysis is conducted on the development level and influencing factors of digital inclusive finance in rural China by means of the Cov-AHP and orthogonal partial least squares regression model,respectively. The study found that the current level of digital inclusive finance in rural China is generally low,and there is a considerable discrepancy between digital inclusive finance in the eastern and western regions. In rural areas,the development of digital inclusive finance has a positive correlation with income level,urbanization,and education,of which per capita income and urbanization feature most prominently among all factors,whereas the ratios of deposits/loans and minority population are negatively correlated. Recommendations include making full use of digital financial channels such as mobile banking,SMS banking,and WeChat public accounts launched by financial institutions to raise the awareness of digital finance among rural residents and promote the steady and orderly development of rural digital finance,so it may better serve the ongoing strategy of rural revitalization.