摘要
数字普惠金融和包容性增长都强调公平。随着数字普惠金融快速发展,其对包容性增长产生的实际影响令人关注。本文以经济增长与城乡收入差距为理论视角,选取2011~2018年中国省际面板数据,运用固定效应模型和调节效应模型,实证检验了数字普惠金融对包容性增长的影响。研究发现,数字普惠金融发展可以显著促进包容性增长;数字普惠金融的覆盖广度对包容性增长的影响最大,使用深度的影响次之,数字化程度的影响最小;数字普惠金融对包容性增长的影响存在明显地区差异,即在中西部地区,数字普惠金融发展能够显著促进包容性增长,而在东部地区,数字普惠金融发展促进包容性增长的效果并不显著。研究还发现,教育水平强化了数字普惠金融发展对包容性增长的促进作用。基于所做研究,本文还提出了对策性建议。
Both digital inclusive finance and inclusive growth emphasize equity.With the rapid development of digital inclusive finance,its actual impact on inclusive growth is of concern.Based on the theoretical perspective of economic growth and urban-rural income gap,this paper selects China’s inter-provincial panel data from 2011 to 2018,and uses fixed effect models and moderating effect models to empirically test the impact of digital inclusive finance on inclusive growth.The study finds that the development of digital inclusive finance can significantly promote inclusive growth.The coverage of digital inclusive finance has the greatest impact on inclusive growth,followed by the depth of use,and the degree of digitalization has the least impact.There are obvious regional differences in the impact of digital inclusive finance on inclusive growth.In the central and western regions,the development of digital inclusive finance can significantly promote inclusive growth,while in the eastern region,the effect of digital inclusive finance in promoting inclusive growth is not significant.The study also finds that the level of education has strengthened the role of digital inclusive finance in promoting inclusive growth.Based on the research,this paper also puts forward some suggestions.
作者
裴平
占韦威
Ping Pei;Weiwei Zhan(School of Business,Nanjing University,Nanjing,China)
出处
《南大商学评论》
2021年第4期21-36,共16页
Nanjing Business Review
基金
国家社科基金重大项目“互联网金融发展、风监与监管”(14ZDA043)
关键词
数字普惠金融
包容性增长
城乡收入差距
Digital Inclusive Finance
Inclusive Growth
Urban-rural Income Gap
