Research On The Measurement Of Efficiency And Influencing Factors Of Digital Inclusive Financial Services For Rural Revitalization

The "three rural issues" are fundamental issues related to the people’s livelihood of the country,so we must insist on treating the "three rural issues" as the top priority of the whole party and resolutely implement the strategy of revitalizing the countryside.It is not only a golden key to effectively solve the "three rural issues",but also a direction for the modernization of China’s agriculture and rural areas.Through the application of Internet technology in the field of inclusive finance,it can further reduce the transaction cost of financial services,improve the financial risk identification ability and broaden the coverage of financial services,so as to effectively promote the implementation of the rural revitalization strategy.Based on this,this paper studies the efficiency and influencing factors of digital inclusive financial services in China,which is of great significance to promote the development of digital inclusive finance in China,improve the efficiency of financial services and help the implementation of the rural revitalization strategy.This study firstly defines the concept of digital inclusive finance and rural revitalization and related theories;secondly,it constructs an index system to measure and describe the current situation of digital inclusive finance and rural revitalization development;immediately,based on the connotation of rural revitalization development strategy,it uses DEA-Malmquist index to quantitatively study the efficiency of digital inclusive financial services rural revitalization in China,and uses nuclear density curve to plot the efficiency of digital inclusive financial services Then,we analyze the factors influencing the efficiency of digital inclusive financial services in rural revitalization by using relevant theories,and conduct a comprehensive analysis of the factors influencing the efficiency of digital inclusive financial services in China by means of panel Tobit model;finally,we put forward relevant policy recommendations.It is found that: the mean value of Malmquist index of digital inclusive financial services rural revitalization efficiency of 31provinces(municipalities directly under the Central Government and autonomous regions)in China is less than 1 during the sample period,and it still needs further improvement,but the balance of digital inclusive financial services rural revitalization efficiency in each province gradually improves;the level of Internet development,financial support for agriculture,industrial structure,farmers’ education level and urban-rural income gap are The factors affecting the efficiency of digital inclusive financial services for rural revitalization.Accordingly,suggestions are made to improve the awareness and ability of agricultural operators to use the Internet,increase the financial support to agriculture,improve the education level of agricultural operators,and accelerate the upgrading of industrial structure in rural areas,with a view to improving the efficiency of digital inclusive financial services for rural revitalization and helping to realize comprehensive rural revitalization.