数字普惠金融对农村居民金融服务获取的影响研究
A Study on the Impact of Digital Inclusive Finance on Rural Residents’ Access to Financial Services

数字普惠金融的发展有助于提高农村居民对新型金融产品的认知度和接受度，从而通过各种渠道提高农村居民的金融服务获取率。本文通过实证分析，引入互联网普及率作为中介变量，考察了数字普惠金融如何通过降低人均涉农贷款需求，从而减少农村居民对传统金融产品的依赖。实证结果表明，随着互联网普及率的提高，数字普惠金融平台的推广显著降低了农村居民对传统银行贷款的依赖程度，提升了他们对金融服务的认可度和使用意愿。具体而言，数字普惠金融通过降低金融服务的交易成本、提高信息透明度以及增强金融产品的可获取性，促进了农村居民金融服务的普及与便捷化。
The development of digital inclusive finance helps to enhance rural residents’ awareness and acceptance of new financial products, thereby increasing their access to financial services through various channels. This paper conducts an empirical analysis, introducing the Internet penetration rate as a mediating variable, to examine how digital inclusive finance reduces rural residents’ reliance on traditional financial products by lowering the per capita demand for agricultural loans. The empirical results show that with the increase in Internet penetration rate, the promotion of digital inclusive finance platforms significantly reduces rural residents’ dependence on traditional bank loans and enhances their recognition and willingness to use financial services. Specifically, digital inclusive finance promotes the popularization and convenience of financial services for rural residents by reducing the transaction costs of financial services, increasing information transparency, and enhancing the accessibility of financial products.