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数字普惠金融对区域创新水平的影响研究

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在我国经济高质量发展的大环境下,创新作为重要的驱动因素仍存在与高质量发展不适应的方面,数字普惠金融的高速发展为提高区域创新水平提供了新的路径.研究基于2012-2021年的省级面板数据对数字普惠金融与区域创新水平的关系进行了实证研究.研究结果表明,数字普惠金融对区域创新水平的提升有显著的促进作用;数字金融覆盖广度和使用深度均能显著促进区域创新水平的发展,其数字化程度在一定程度上会抑制区域创新水平的提高;地区异质性表明,数字普惠金融能够显著促进中西部地区创新水平的发展,这一影响对于东部地区并不显著.
Research on the Impact of Digital Inclusive Finance on Regional Innovation Level
In the context of high-quality economic development in China,innovation,as an important driving factor,is still not compatible with high-quality development to some extent.The rapid development of digital inclusive finance provides a new path to improve the regional innovation.Based on provincial panel data from 2012 to 2021,this paper conducts an empirical study on the relationship between digital inclusive finance and regional innovation.The results show that digital inclusive finance can significantly promote the regional innovation.Both the coverage breadth and usage depth of digital finance can significantly improve regional innovation,while the digitization degree has an adverse impact on the improvement of regional innovation to a certain degree.Regional heterogeneity analysis indicates that digital inclusive finance can significantly promote the development of regional innovation in the central and western regions,but this impact is not significant for the eastern regions.

digital inclusive financeregional innovation levelpatent application

曹宇桐、任英

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北京交通大学经济管理学院,北京 100044

数字普惠金融 区域创新水平 专利申请

2024

金融理论与教学
哈尔滨金融学院

金融理论与教学

CHSSCD
影响因子:0.308
ISSN:1004-9487
年,卷(期):2024.42(1)
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