数字普惠金融的包容性经济增长效应研究——基于中国西部12省的实证分析

Research on the Inclusive Economic Growth Effect of Digital Financial Inclusion——Empirical Analysis based on12 Provinces in Western China

以互联网为基础的技术革命对人们的工作和生活方式都产生了巨大影响,得益于数字技术的运用,普惠金融的实现条件也在日益改变。本文结合中国西部地区包容性经济增长指数和北京大学数字普惠金融研究中心课题组公布的数字普惠金融数据,通过面板回归评价数字普惠金融各维度发展对包容性经济增长的影响。根据全样本实证结果,西部地区数字普惠金融对包容性经济增长具有积极影响,尤其是数字普惠金融覆盖广度和使用深度指标。首先,扩大数字普惠金融覆盖广度促进了经济可持续增长,并有助于机会获得的均等性;其次,加强数字普惠金融使用深度帮助实现了发展成果共享,促进包容性增长;最后,普惠金融数字化程度对包容性增长的影响作用比较有限。此外,西部不同区域的数字普惠金融发展具有异质性,根据发展水平和发展速度可以分为三个梯队,因而针对不同区域应采取不同措施,推动数字普惠金融发展,促进西部地区的包容性经济增长。

The internet-based technological revolution has had a huge impact on the way people work and live.Thanks to the use of digital technology,the conditions for inclusive finance are changing day by day.This article combines the inclusive economic growth index of western China and the digital inclusive financial data published by the research group of the Digital Inclusive Finance Research Center of Peking University,uses the panel regression to evaluate the impact of various dimensions of digital inclusive finance development on inclusive economic growth.According to the empirical results of the whole sample,digital inclusive finance in the western region has a positive impact on inclusive economic growth,especially the coverage and depth of use of digital inclusive finance.First,ex⁃panding the coverage of digital inclusive finance promotes sustainable economic growth.It also contributes to the equality of opportunity.Secondly,strengthening the use of digital inclusive finance helps to achieve the sharing of development results and promote inclusive growth.Finally,the impact of inclusive finance digitalization on inclusive growth is limited.In addition,this article finds that the development of digital inclusive finance in different regions of the west is heterogeneous,and can be divided into three echelons according to the level and speed of development.Therefore,different measures should be taken for different regions to promote the development of digital financial in⁃clusion and promote inclusive economic growth in the western region.