数字普惠金融与新型城镇化发展分析

Analysis of Digital Inclusive Finance and New Urbanization Development

在数字化发展的时代,数字普惠金融以数字化技术为实现条件,为不同社会阶层群体提供金融服务,已成为推进以人为本的新型城镇化高质量发展的重要动力所在。本文选取2013-2020年中国31个省际面板数据,建立新型城镇化发展评价指标体系,并采用熵值赋权法计算得到新型城镇化综合发展指数。借助北京大学数字普惠金融指数,采用门限面板模型和空间计量模型,通过实证方法检验了数字普惠金融发展对新型城镇化的非线性影响及空间溢出效应。结果表明:一方面,数字普惠金融对新型城镇化发展产生了正向影响,其影响作用呈现“边际效应”递增的特点;另一方面,数字普惠金融对新型城镇化在我国三大经济区域内都存在着正向空间溢出效应。因此,应积极把握数字化对金融行业带来的机遇,引导其成为推进新型城镇化的重要支撑。

With the growth of digital economy in recent years,digital inclusive finance provides services for different social strata groups basing on digital technology,which has become an important driving force for promoting the high-quality development of new urbanization.Based on theoretical analysis,this paper focuses on a new urbanization development evaluation index system by using panel data of 31 provinces in China from 2013 to 2020 to calculate the new urbanization comprehensive development index.This paper uses threshold model and spatial econometric model to explore the nonlinear impact and spatial spillover effect of digital financial inclusion development on new urbanization by Digital Financial Inclusion Index.The results are as follows.Firstly,digital inclusive finance has a positive impact on the development of new urbanization,and its influence is characterized by an increasing“marginal effect”.Secondly,digital inclusive finance has positive spatial spillover effects on new urbanization.Therefore,we should actively seize the opportunities brought by digital development to the financial industry and guide it to become an important support for the promotion of new urbanization.