首页|数字普惠金融驱动经济高质量发展的作用机制研究

数字普惠金融驱动经济高质量发展的作用机制研究

Mechanism of Digital Inclusive Finance Affecting High Quality Economic Development

扫码查看
在梳理数字普惠金融影响经济高质量发展理论的基础上,基于2011-2020年我国31个省份的面板数据,利用固定效应模型实证检验了两者的关系.结果显示,数字普惠金融对经济高质量发展存在明显的驱动作用,但对我国东、中、西部地区经济高质量发展的影响程度不同.对东部地区促进作用最为明显的是数字普惠金融的使用深度,但数字化支持程度并不显著.数字普惠金融对经济高质量发展的促进作用在中部地区最为明显.西部地区数字化支持服务程度对经济高质量发展的提振作用最为明显.同时,经济高质量发展存在空间正溢出,可以促进周边地区经济高质量发展,但数字普惠金融则会更多地影响本地经济高质量发展,并不会显著影响周边邻近区域的发展.中介效应的分析显示,数字普惠金融对城乡收入比有负向调节作用,即数字普惠金融的发展会缩小城乡居民收入比,并通过城乡居民收入比这一传导路径影响我国的经济高质量发展.
Based on the theoretical studies of the impact of digital inclusive finance on high-quality economic development,using panel data from 31 provinces in China from 2011 to 2020,this paper analyzed the relationship between them by fixed effects model.The results show that digital inclusive finance has a significant driving effect on high-quality economic development,but the impact is different in the eastern,central,and western regions.The depth of using digital inclusive finance has the most significant promoting effect in the eastern region,but the degree of digital support is not significant.The promotion effect of digital inclusive finance on high-quality economic development is most evident in the central region.The level of digital support services in the western region has the most significant boosting effect on high-quality economic development.At the spatial level,there is a positive spillover of high-quality economic development,which can promote high-quality economic development in surrounding areas;However,digital inclusive finance mainly affects the high-quality development of the local economy and does not significantly affect the development of neighboring areas.The analysis of the intermediary effect shows that digital inclusive finance has a negative regulatory effect on regulating the urban-rural income ratio,that is,the development of digital inclusive finance will reduce the urban-rural income ratio and affect the high-quality economic development of China through the transmission path of urban-rural income ratio.

digital inclusive financehigh quality economic developmentspatial effectsfixed effects model

张文静、贾晋豪

展开 >

西安财经大学 管理学院,西安 710100

数字普惠金融 经济高质量发展 空间效应 固定效应模型

陕西省教育厅项目陕西省社会科学基金陕西青年创新团队项目

19JK03092021WT0923JP04

2024

武汉理工大学学报(社会科学版)
武汉理工大学

武汉理工大学学报(社会科学版)

CHSSCD
影响因子:0.551
ISSN:1671-6477
年,卷(期):2024.37(2)
  • 20