数字普惠金融与经济增长的关系——基于285个地级市的实证分析

The Relationship between Digital Financial Inclusion and Economic Growth--Empirical Analysis Based on 285 Prefecture-level Cities

数字普惠金融已成为普惠金融发展的新方向。本文基于2011-2017年全国285个地级市样本数据,运用面板计量模型实证分析了数字普惠金融对中国居民收入的影响。研究结果表明:(1)数字普惠金融能够有效地促进地区经济发展,缩小各地级市经济增长的差距;(2)教育水平和政府行为水平对当地经济发展具有明显的促进作用,并且数字普惠金融能够强化这种促进作用;(3)西部地区的教育水平和政府行为水平相对落后,提升教育水平和加大政府投入是关键,同时数字普惠金融对经济增长的贡献具有较大的提升空间。

Digital financial inclusion has become a new direction of financial inclusion.Based on the sample data of 285 prefecture-level cities from 2011 to 2017,the panel econometric model was used to empirically analyze the impact of digital financial inclusion on Chinese residents income.The results show that:first,digital financial inclusion can effectively promote regional economic development and narrow the gap between the economic growth of prefecture-level cities;Second,education level and government behavior level have obvious promoting effect on the development of local economy,and make their effect more obvious through digital financial inclusion;Third,the education level and government behavior level of the western region are relatively backward,increasing education level and government intervention is the key,and the development of digital financial inclusion plays an important role in economic growth.