普惠金融对地区经济增长的影响研究

Research about HP Finance's Impact on Regional Economic Growth

以全国30个省域为研究对象,采用30个省域2005—2014年的数据,从金融服务可得性和使用有效性两个方面构建普惠金融指数,对我国30个省域普惠金融发展水平进行测度,并通过建立空间面板数据模型进行实证研究。结果表明:普惠金融对经济增长有正向影响作用,并且普惠金融的程度与经济增长的速度高度相关;我国各地区经济增长存在空间溢出效应,地理区位特征对省域经济增长的变动存在显著影响;普惠金融的发展对周边地区的经济增长存在负的空间溢出效应。因此,应重视区域经济增长与普惠金融的互动;着力发展金融企业,繁荣金融活动;高度重视空间因素,充分利用相邻省域的相互支持,推动普惠金融,带动经济的发展。

This article takes 30 provinces and regions of China as research objects, adopts data of them from 2005 to 2014 and build HP Finance index from finance service availability and use effectiveness, so as to measure developmental level of HP Finance in 30 provinces and regions and empirically studies it through building spatial panel data models. The result shows that：（1） HP Finance has pos-itive impact on economic growth and the degree of HP Finance is highly related to the speed of economic growth;（2） Regional economic growth presents spatial spillover effect, the features of geographical location remarkably affect the variation of economic growth;（3） HP Fi-nance has negative spatial spillover effect on economic growth of surrounding areas. Therefore, the interaction between regional economic growth and HP Finance should be highly valued and focus on developing financial enterprises, prospering financial activities. We should also pay high attention to spatial factors, fully utilize mutual support of neighboring provinces and regions, boost HP Finance and drive the development of the economy.