数字普惠金融对中国经济包容性增长的影响研究

Research on the Impact of Digital Financial Inclusion on Economic Inclusive Growth in China

基于数字普惠金融的快速发展事实,以我国省市自治区为研究样本,利用计量模型实证分析数字普惠金融对我国经济包容性增长的影响。研究发现,数字普惠金融显著促进我国经济包容性增长;数字普惠金融通过农村人力资本和地区研发投入对包容性增长产生促进作用效应;数字普惠金融对包容性增长的影响具有双重门槛效应。基于研究结论,本文提出了相应的政策建议。

Based on the fact that digital inclusive finance is developing rapidly,this paper takes China's provinces,cities and autonomous regions as the research sample.The econometric model is used to empirically analyse the impact of digital inclusive finance on inclusive growth in China.The study finds that:Digital inclusive finance significantly contributes to inclusive economic growth in China.Digital inclusive finance contributes to inclusive growth through rural human capital and regional R&D investment.The impact of digital inclusive finance on inclusive growth has a double threshold effect.Based on the research conclusion,this paper puts forward the corresponding policy suggestions。