河北省数字普惠金融促进乡村振兴的机制与效果研究

Research on the Mechanisms and Effects of Digital Inclusive Finance Promoting Rural Revitalization in Hebei Province

摘要: 数字普惠金融可精准破解农村金融供给不足与结构失衡难题，通过优化服务效率、降低服务成本，为河北省乡村振兴提供差异化助力。本文参照乡村振兴总要求的五大维度，搭建乡村振兴评价指标体系，以此量化评估河北省乡村振兴的发展程度；同时依托北京大学数字普惠金融指数，探究河北省及各地级市数字普惠金融的发展实况。研究分别从直接影响与间接影响双重视角，构建基础固定效应模型及纳入中介变量的固定效应模型，借助实证分析验证数字普惠金融对乡村振兴的作用机制，进而提出数字普惠金融赋能河北省乡村振兴的针对性对策建议。

Abstract: Digital inclusive finance can accurately address the problems of insufficient rural financial supply and structural imbalance. By optimizing service efficiency and reducing service costs, it provides differentiated empowerment for rural revitalization in Hebei Province. Drawing on the five dimensions of the general requirements for rural revitalization, this paper constructs a rural revitalization evaluation index system to quantitatively assess the development level of rural revitalization in Hebei Province. Meanwhile, based on the Peking University Digital Inclusive Finance Index, it explores the current development status of digital inclusive finance in Hebei Province and its prefecture-level cities. From the dual perspectives of direct and indirect impacts, the study establishes a basic fixed-effect model and a fixed-effect model incorporating mediating variables respectively. It verifies the mechanism of action of digital inclusive finance on rural revitalization through empirical analysis, and then puts forward targeted countermeasures and suggestions for digital inclusive finance to empower rural revitalization in Hebei Province.