数字化转型与农村金融发展

IF 6.9 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2025-06-24 DOI:10.1016/j.frl.2025.107828

Qiao Zhao , Wangqing Wang

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引用次数: 0

摘要

本文利用2011-2022年中国30个省份的面板数据，分析了数字化转型对农村金融发展的影响。结果表明，数字化转型显著促进了农村金融发展，其中宽带覆盖率和城乡收入差距发挥了关键作用。在基础设施较好、发展协调的地区，这种积极效应会被放大。异质性检验表明，金融服务的竞争格局和人口特征也显著影响结果。这些发现为利用数字化转型支持乡村振兴提供了宝贵的见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Digital transformation and rural financial development

This paper analyzes how digital transformation impacts rural financial development using the 2011–2022 panel data from 30 Chinese provinces. Results show that digital transformation significantly enhances rural financial development, with broadband coverage and the urban-rural income gap playing key roles. In regions with better infrastructure and balanced development, this positive effect is amplified. Heterogeneity tests reveal that the competitive landscape of financial services and demographic characteristics also significantly influence outcomes. These findings offer valuable insights for leveraging digital transformation to support rural revitalization.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance