数字普惠金融赋能我国经济高质量发展——基于空间计量模型和中介效应的研究

Digital Inclusive Finance Enabling China High-quality Economic Development:Based on Spatial Econometric Model and Intermediary Effect

新发展格局下,数字普惠金融能够利用普惠性、靶向性等特征为实体企业提供资金支持,帮助其解决融资困境,为我国经济高质量发展提供了新契机。基于我国30个省份2011—2020年的统计数据,运用熵值法测得各省份的经济高质量发展指数,在此基础上,利用面板模型、空间计量模型与中介效应模型实证分析数字普惠金融对经济高质量发展产生的影响。研究表明,数字普惠金融能够显著推动我国经济高质量发展,且技术创新在此过程中发挥中介效应;数字普惠金融对经济高质量发展具有正向空间溢出效应。据此,提出推进数字普惠金融走向纵深、坚持创新是第一动力等政策建议。

Under the new development pattern,digital inclusive finance can provide financial support for entity enterprises by taking advantage of its characteristics of inclusiveness and targeting,help them solve financing difficulties,and provide new opportunities for the high-quality development of China economy.Based on the statistical data of 30 provinces in China from 2011 to 2020,this study measures the high-quality economic development index of each province by using the entropy method,and on this basis,empirically analyzes the impact of digital inclusive finance on high-quality economic development by adopting the panel model,spatial econometric model and intermediary effect model.The research findings show that digital inclusive finance can significantly promote the high-quality development of China economy while technology innovation plays an intermediary role in this process,and that digital inclusive finance has a positive spatial spillover effect on high-quality economic development.Accordingly,such policy and recommendations are put forward as making full use of the“digital dividend”brought by digital inclusive finance development and insisting innovation as the first driving force.