数字金融、技术创新与共同富裕

Digital Finance,Technological Innovation and Common Affluence

扎实推进共同富裕是“十四五”期间我国经济社会发展的重要目标,如何把握促进共同富裕的着力点是当前亟待解决的重要问题。文章基于技术创新的视角,系统分析了数字金融促进共同富裕的内在理论逻辑,并运用我国30个省份2011—2020年的面板数据,实证检验了数字金融对共同富裕的影响。研究发现:我国各省份共同富裕水平普遍较低,但总体呈上升趋势;数字金融发展能够显著促进共同富裕,并且对中西部地区的贡献超过东部地区;机制检验结果表明,数字金融能够通过提升技术创新水平来促进共同富裕;数字金融对共同富裕的影响存在边际效应非线性递增的特点。

Solidly promoting common affluence is the main goal of China’s economic and social development during the 14th Five-Year Plan period,and how to grasp the focus of promoting common affluence is an important issue that needs to be solved urgently.Based on the perspective of technological innovation,this paper systematically analyzes the intrinsic theoretical logic of digital finance to promote common affluence,and then empirically tests the impact of digital finance on common affluence by using panel data of 30 provinces in China from 2011 to 2020.The research findings go as below:The level of common affluence is generally low in all provinces of China,but the overall trend is increasing.The development of digital finance can significantly promote common affluence,and its contribution to the central and western regions exceeds that of the eastern regions.The results of the mechanism verification indicate that digital finance can promote common affluence by enhancing the level of technological innovation,and the impact of digital finance on common affluence is characterized by a non-linear increasing marginal effect.