数字普惠金融对经济增长影响的区域差异性研究——以江苏省13个市为例

Research on the Regional Difference of Digital Inclusive Financing to Economic Growth: Based on the Case Study of Thirteen Cities in Jiangsu Province

数字普惠金融已成为普惠金融新的发展趋势。文章基于江苏省2011—2018年面板数据,构建静态面板模型,探究江苏省数字普惠金融对经济增长影响的区域差异性,进而研究数字普惠金融与经济的关联度。研究表明:江苏省数字普惠金融和经济增长区域发展差距在不断减小;数字普惠金融对江苏省及各区域的经济增长具有促进作用;苏南、苏中、苏北数字普惠金融对经济增长的影响存在差异性;经济增长和数字普惠金融、产业结构、受教育水平、外贸依存度以及消费者价格指数存在长期稳定关系。

Digital inclusive finance has become a new development trend of inclusive finance.Based on the panel data of Jiangsu Province from 2011 to 2018,a static panel model is constructed to empirically study the regional differences of digital inclusive finance on economic growth in Jiangsu Province.The results show that the gap between digital inclusive finance and regional development of economic growth in Jiangsu Province is decreasing.The development of digital inclusive finance can promote the economic growth of Jiangsu Province and other regions.The impact of digital inclusive finance on economic growth in southern Jiangsu,middle Jiangsu and northern Jiangsu is different.There is a long-term and stable relationship between economic growth and digital inclusive finance,industrial structure,education level,dependence on foreign trade and consumer price index.