金融科技助力实现共同富裕——基于数字普惠金融赋能视角

FinTech Helps Achieve Common Wealth:Based on Digital Inclusion Financial Empowerment Perspective

党的二十大报告指出,共同富裕是中国特色社会主义的本质要求。在构建中国省际金融科技指数与共同富裕指数的基础上,利用中国2013—2020年31个省(自治区、直辖市)的面板数据,通过构建系统GMM模型,就金融科技对共同富裕的影响效应、机制、区域异质性进行实证分析。研究发现:金融科技对共同富裕具有显著的正向作用且呈现边际效应递减的非线性特征。影响机制分析表明:数字普惠金融在金融科技与共同富裕关系中发挥着中介作用,且数字普惠金融在金融科技对共同富裕的非线性效应中起调节作用。同时金融科技对共同富裕的影响存在明显的区域异质性,东部地区金融科技对共同富裕的影响明显强于中西部地区。另外,金融科技对共同富裕存在非线性边际效应递减,且数字普惠金融能够调节该非线性边际效应。基于以上结论,提出应通过促进金融科技与数字普惠金融发展来实现共同富裕。

The report of the 20th CPC National Congress pointed out that common prosperity is the essential requirement of socialism with Chinese characteristics.Based on the construction of China’s inter provincial Fin⁃Tech index and common prosperity index,using the panel data of 31 provinces in China from 2013 to 2020,and through the construction of a systematic GMM model,this paper conducts an empirical analysis on the effects,mechanisms,and regional heterogeneity of FinTech on common prosperity.The research finds that FinTech has a significant positive effect on common prosperity and presents a non-linear feature of diminishing marginal effect.The analysis of impact mechanism shows that digital inclusive finance plays an intermediary role in the relation⁃ship between FinTech and common prosperity,and digital inclusive finance plays a regulatory role in the nonlinear effect of FinTech on common prosperity.Further research shows that there is obvious regional heterogeneity in the impact of FinTech on common prosperity,and the impact of FinTech in the eastern region on common prosperity is significantly stronger than that in the central and western regions.Further research shows that there is a nonlinear marginal effect decline of FinTech on common prosperity,and digital inclusive finance can adjust the nonlinear marginal effect.The above conclusions are still valid after changing the explained variables.Based on the above conclusions,it is proposed to achieve common prosperity by promoting the development of FinTech and digital in⁃clusive finance.