数字普惠金融发展与区域创新能力--基于282个城市数据的非线性影响研究

Digital Financial Inclusion Development and Regional Innovation Capability:An Nonlinear Impact based on Data of 282 Cities

文章借助2011—2018年中国282个地级市的面板数据,采用固定效应模型和门槛模型对数字普惠金融发展是否促进了区域创新能力的提升进行了实证研究。研究发现:数字普惠金融的发展及其覆盖广度、使用深度和数字化程度有助于提高区域创新能力;进一步考察发现数字普惠金融与区域创新能力之间存在非线性关系,数字普惠金融对区域创新能力的驱动作用具有一定的门槛效应,存在瓶颈。比较研究发现东部、中部和西部三个地区的数字普惠金融发展能够显著促进区域创新能力的提高,促进程度不同。研究结论丰富了数字普惠金融与区域创新能力的相关研究,可为加强区域现代化建设、实现创新驱动提供参考。

Based on the panel data of 282 prefecture-level cities in China from 2011 to 2018,the fixed effect model and threshold model are used to conduct an empirical study on whether the development of digital financial inclusion promotes regional innovation capabilities.The research found that the development of digital financial inclusion and its coverage,depth of use and digitization can help improve regional innovation capabilities;Further investigation found that there is a nonlinear relationship between digital financial inclusion and regional innovation capabilities.The driving effect of digital financial inclusion on regional innovation capabilities has a certain threshold effect,and there are bottlenecks.Comparative studies have found that the development of digital financial inclusion in the eastern,central and western regions can significantly promote the improvement of regional innovation capabilities,with varying degrees of promotion.The research conclusions enrich the related research on digital financial inclusion and regional innovation capabilities,and can provide references for strengthening regional modernization and realizing innovation-driven.