数字普惠金融赋能城乡共同富裕的影响与机制研究——基于新质生产力视角
A Study of the Impact and Mechanism of Digital Inclusive Finance Promoting the Urban-Rural Shared Prosperity in China in the Perspective of New-quality Productivity
林建华 1鞠智超1
作者信息
- 1. 辽宁师范大学马克思主义学院,辽宁大连 116029
- 折叠
摘要
数字普惠金融能够提供更加平等、便捷的信贷融资机会,降低金融服务门槛,已成为弥合城乡发展"鸿沟"、扎实推进城乡共同富裕的加速器.立足于2012-2022年30个省区市(港澳台藏除外)面板数据,借助空间计量模型系统考察数字普惠金融与城乡共同富裕的逻辑关系.实证分析结果表明:数字普惠金融与城乡共同富裕均存在空间相关性.数字普惠金融不仅能够有效推动本地区城乡共同富裕,还可正向赋能毗邻地区城乡共同富裕.异质性检验结果表明,数字普惠金融对城乡共同富裕的驱动作用在东部地区与要素错配程度低地区更为显著.传导机制检验结果证实,数字普惠金融能够有效助力新质生产力发展,进而推动城乡共同富裕.进一步调节效应检验结果表明,随着金融监管程度不断加深,数字普惠金融作用于城乡共同富裕的正向影响逐步强化.研究结果为赋能新质生产力发展、推动城乡共同富裕提供有力参鉴.
Abstract
Digital inclusive finance has become an accelerator for bridging the gap between the urban development and the rural devel-opment and solidly promoting the urban-rural shared prosperity in China because it can provide more equal and convenient credit fi-nancing opportunities and lower the threshold for financial services.Based on the panel data from 30 provinces of China from 2012 to 2022,this article uses a spatial econometric model system to examine the logical relationship between digital inclusive finance and ur-ban-rural shared prosperity.The empirical analysis results indicate that there is a spatial correlation between digital inclusive finance and urban-rural shared prosperity.Digital inclusive finance can not only effectively promote the urban-rural shared prosperity in a given region,but also positively promote the urban-rural shared prosperity in the neighboring regions.The heterogeneity test results indicate that the promotion effect of digital inclusive finance on the urban-rural shared prosperity is more significant in the eastern re-gion of China as well as in the areas with a low level of elements mismatch.The test results of the transmission mechanism confirm that digital inclusive finance can effectively promote the development of new-quality productivity,thereby promoting the urban-rural shared prosperity.The further test results of moderating effects indicate that with financial regulation gaining momentum steadily,the positive impact of digital inclusive finance on the urban-rural shared prosperity is becoming stronger gradually.The research results have much enlightening significance for empowering the development of new-quality productivity and promoting the urban-rural shared prosperity.
关键词
数字普惠金融/金融监管/城乡共同富裕/新质生产力Key words
digital inclusive finance/financial supervision/urban-rural shared prosperity/new-quality productivity引用本文复制引用
出版年
2024
NETL
NSTL
万方数据