发展数字普惠金融对提升流通业效率影响研究——基于技术创新机制效应分析

Research on the Impact of the Development of Digital Inclusive Finance on Improving the Efficiency of the Circulation Industry——Analysis of mechanism effect based on technological innovation

发挥金融对流通业高质量发展的支持作用,是贯彻落实中央金融工作会议的应有之义。本文基于我国30个省、自治区、直辖市^(①)2011-2022年的经验数据,就数字普惠金融与我国流通业效率提升之间的关系进行研究,并进一步考察技术创新的中介效应。研究发现,数字普惠金融发展不仅会对提升流通业效率产生直接的赋能作用,同时还能够通过技术创新的中介效应对提升流通业效率产生间接的赋能作用,进一步强化数字普惠金融对我国流通业效率的正向赋能作用。基于研究结论,本文从加强数字普惠金融基础设施建设、推动数字普惠金融与流通业深度融合创新、推进数字支付普及与应用、优化数字普惠金融对流通业供应链管理的支持,以及加强流通业数据分析与智能化决策等方面提出了助力我国流通业效率提升的相关政策建议。

Giving full play to the supporting role of finance in the high-quality development of the circulation industry is the proper meaning of implementing the Central Financial Work Conference.Based on the empirical data of 30 provinces,autonomous regions and municipalities directly under the central government from 2011 to 2022,this paper studies the relationship between digital inclusive finance and the efficiency improvement of China’s circulation industry,and further examines the mediating effect of technological innovation.The study finds that the development of digital inclusive finance will not only have a direct enabling effect on improving the efficiency of the circulation industry,but also indirectly enable the efficiency of the circulation industry through the intermediary effect of technological innovation,and further strengthen the positive enabling role of digital inclusive finance on the efficiency of China’s circulation industry.Based on the research conclusions,this paper puts forward relevant policy suggestions to help improve the efficiency of China's circulation industry from the aspects of strengthening the construction of digital inclusive financial infrastructure,promoting the deep integration and innovation of digital inclusive finance and the circulation industry,promoting the popularization and application of digital payment,optimizing the support of digital inclusive finance for the supply chain management of the circulation industry,and strengthening the data analysis and intelligent decision-making of the circulation industry.