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西部地区数字普惠金融对共同富裕的影响研究

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数字普惠金融的发展突破了传统普惠金融的发展瓶颈,为实现共同富裕提供了新动力.在构建和测度西部地区共同富裕指标的基础上,探讨数字普惠金融对实现共同富裕的推动作用,基于2011-2021 年西部地区的省级数据进行实证研究,检验这种推动效应.结果表明:西部地区数字普惠金融对共同富裕具有显著的正向作用,并且可以通过缩小城乡差距间接推动实现共同富裕;分维度看应有覆盖广度、使用深度和数字化程度均对共同富裕有正向作用,其中使用深度的影响最大.应坚持数字金融发展的普惠性原则,加大数字金融基础设施建设力度,重点关注提升数字普惠金融深度,推动实现共同富裕.
A Study of the Impact of Digital Financial Inclusion on Common Wealth in the Western Region
The development of digital inclusive finance not only breaks through the development bottleneck of traditional inclusive finance,but also provides new impetus for realizing common wealth.Accordingly,on the basis of constructing and measuring the indicators of common prosperity in the western region,we explore the role of digital inclusive finance in realizing common prosperity,and conduct an empirical study based on the provincial data of the western region from 2011 to 2021 to test this driving effect.The results show that:digital inclusive finance in the western region has a significant positive effect on common prosperity,and can indirectly promote the realization of common prosperity by reducing the urban-rural gap;in terms of dimensions,the breadth of coverage,the depth of use and the degree of digitalization should have a positive effect on common prosperity,with the depth of use having the greatest impact.In the process of development,we should adhere to the principle of universality in the development of digital finance,accelerate the construction of digital financial infrastructure,and focus on enhancing the depth of digital inclusive finance to better promote the realization of common wealth.

Western RegionDigital Inclusive FinanceCommon WealthUrban-Rural Gap

宋香荣、阿力米热·阿力木

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新疆财经大学,新疆 乌鲁木齐 830012

西部地区 数字普惠金融 共同富裕 城乡差距

2024

对外经贸
黑龙江省对外贸易经济合作研究所 黑龙江省国际经济贸易学会

对外经贸

CHSSCD
影响因子:0.394
ISSN:2095-3283
年,卷(期):2024.(5)