Study On The Influence Of Digital Inclusive Finance On The Development Of E-commerce In Sichuan Province Rural E-commerce Demonstration County

In recent years,the development models of "Internet + Industry","Internet +Public Service" and "Internet + Finance" have emerged continuously.E-commerce,as a hot spot in recent years,has also achieved rapid development in the context of the digital economy.China is a big agricultural country,and e-commerce also has a dazzling performance in the vast rural market,but at the same time,the development of rural e-commerce is also facing many problems.In the development process,financial support plays an indispensable role.Inclusive finance is an upgrade of traditional finance.It is an important financial means to promote rural e-commerce poverty alleviation,promote farmers’ employment,and help promote the development of rural e-commerce.The combination of big data and inclusive finance has formed a digital inclusive finance development model,which is an upgrade of inclusive finance,combining inclusive finance with cloud computing and artificial intelligence technologies to form a new financial service model.Digital inclusive finance can reduce financial exclusion in rural areas and effectively solve the current problem of lack of financial services in remote rural areas.With the help of modern financial science and technology such as big data,cloud algorithms,artificial intelligence,etc.It will help rural remote areas get rid of the dilemma of long financing process and difficult financing,improve the efficiency of financial services in rural areas,and provide sufficient financial guarantee for the development of rural e-commerce,to solve the financial service needs of e-commerce enterprises in rural areas.Based on the research of 10 rural e-commerce demonstration counties in Sichuan Province,this paper sorts out the relevant literature on digital inclusive finance and rural e-commerce development,and clarifies the relationship between the two.The concept is defined,and the impact mechanism of digital inclusive finance on the development of rural e-commerce is proposed.This paper analyzes the current situation of digital inclusive finance and e-commerce development in these 10 rural e-commerce demonstration counties.In the current situation analysis,a rural e-commerce development evaluation system was constructed.Based on the county panel data from 2015 to 2019,the e-commerce development index of rural e-commerce demonstration counties was calculated,and the e-commerce development index of 10 rural e-commerce demonstration counties was comprehensively evaluated.The level of business development is used as the explained variable for the empirical analysis in the following paragraphs.In the empirical analysis part,the models selected in this paper are the fixed effect model and the mediation effect model.Benchmark regression analysis,mediation regression analysis and robustness test were carried out.The research conclusions are as follows: First,digital financial inclusion can directly promote the development of rural e-commerce.And whether digital financial inclusion coverage,depth of use,or level of digitization will promote the progress of rural e-commerce.Second,credit support and technological innovation play an intermediary role in the development of rural e-commerce.Digital inclusive finance can drive the progress of rural e-commerce by influencing credit support in rural areas and promoting technological innovation.Third,digital inclusive finance has a more significant positive effect on rural e-commerce at a relatively low level of development.