数字金融能够降低城市发展差距吗

Has Digital Finance Reduced Development Gap between Cities?

数字金融借助数字技术重塑金融体系,为降低城市发展差距提供了可能。本文从经济、社会、环境三个维度,构建包括23个基础指标的城市发展差距综合指标体系,并利用TOPSIS熵权法和285个地级市的面板数据进行测算,进而实证研究数字金融发展对城市发展差距的影响及作用机制。研究表明:(1)数字金融有助于降低城市发展差距,且对落后城市降低发展差距的作用更明显;(2)融资环境改善是数字金融降低城市发展差距的中介渠道,居民创业、企业创新和产业结构具有显著的调节效应,能够增强数字金融的影响效应;(3)数字金融对城市发展差距有显著的非线性影响,当数字金融发展到一定水平后,其作用也随之增大。本文为研究数字金融与区域发展差距问题提供了新的视角,为优化数字金融发展、深入实施区域协调发展战略提供了经验证据和政策启示。

With the help of digital technology,digital finance reshapes the financial system,which provides the possibility of reducing the regional development gap.This paper constructs a comprehensive index system of urban de-velopment gap including 23 basic indicators,from the dimensions of economy,society,and environment.This paper uses the TOPSIS entropy weight method as well as the panel data of 285 prefecture level cities from 2011 to 2019 to make the measurement and discusses the impact of digital finance development on urban development gap and its mech-anism.The results indicate that:The development of digital finance can help reduce the development gap among cit-ies,and its impact on narrowing the development gap for backward cities is more obvious;The improvement of the fi-nancing environment is a channel for digital finance to reduce the urban development gap,and it has a significant regu-lating effect on residents'entrepreneurship,enterprise innovation and industrial structure,which can intensify the efct of digital finance in reducing the urban development gap;Digital finance has a significant non linear impact on.the urban development gap.As the development level of digital finance increases,its averall influence on reducing the.urban gap also strengthens.This paper provides a new perspective on studying digital finance and regional develop-ment gap and provides empirical evidence as well as policy suggestions for optimizing the development of digital finance and deeply implementing the strategies of regional coordinated development.