城镇化进程中数字普惠金融驱动农村电商经济增长的机制研究

A Study on the Mechanism of Digital Inclusive Finance Driving Rural E-Commerce Economic Growth in Urbanization Process

摘要: 随着中国城镇化进程的加速推进，农村电商经济的转型与发展成为推动社会全面进步的重要组成部分。数字普惠金融作为新型金融模式，凭借信息技术打破传统金融服务的空间和时间限制，为农村电商经济发展提供了全新的动力。本文基于2011~2023年中国31个省级单位的面板数据，构建了数字普惠金融与农村电商经济增长的理论模型，并采用固定效应模型进行实证分析。研究结果表明，数字普惠金融的平均指数及覆盖广度、使用深度、数字化程度均对农村电商经济增长产生显著正向影响，且城镇化水平在其中起到重要中介作用。最后基于实证分析结果，提出金融与城镇化政策协同、区域差异化的政策建议，以推动农村电商经济高质量增长。

Abstract: With the accelerated advancement of China’s urbanization process, the transformation and development of rural e-commerce economy have become an important component in driving comprehensive social progress. As a new financial model, digital inclusive finance breaks the spatial and temporal limitations of traditional financial services through information technology, providing new impetus for the development of rural e-commerce economy. Based on panel data from 31 provincial-level units in China from 2011 to 2023, this paper constructs a theoretical model of digital inclusive finance and rural e-commerce economic growth, and conducts empirical analysis using a fixed effects model. The research results show that the average index, coverage breadth, usage depth, and digitalization level of digital inclusive finance all have significant positive impacts on rural e-commerce economic growth, with urbanization level playing an important mediating role. Finally, based on the empirical analysis results, policy recommendations are proposed to promote the high-quality growth of rural e-commerce economy, including the synergy of financial and urbanization policies and regional differentiation.