摘要
数字技术全方位、全领域、全链条的应用与赋能,使得数字化转型已经成为数字经济时代引领区域经济高质量发展的重要引擎。本文选取2011—2020年省际面板数据,从基础能力、核心能力和保障能力三个维度构建区域数字化转型程度评价指标体系,结果表明,我国省际数字化转型程度的整体均值呈现了典型的“东部领先”与“西部靠后”的空间集聚特征,但是中、西部地区数字化转型的平均增速分别为1.566%和0.929%,明显高于东部经济发达省份。进一步实证考察数字普惠金融对区域数字化转型的直接影响与间接作用,研究发现,数字普惠金融发展水平每提高1个百分点,客观上会促使区域数字化转型程度与速度分别提高0.154%和0.177%。此外,研究还发现金融服务创新和金融市场效率是数字普惠金融影响区域经济数字化转型的两个重要传导机制。数字普惠金融对区域数字化转型程度与速度的提升效应在经济增长率高、市场开放程度高、监管强度低的地区更为明显。
The application and enabling of digital technology in an all-round,whole-field and whole-chain way make digital transformation become an important engine leading the high-quality development of regional economy in the era of digital economy.This paper selects the inter-provincial panel data from 2011-2020 to construct an evaluation index system for the degree of regional digital transformation from three dimensions of basic competence,core competence and support competence.The results show that the overall mean value of the degree of digital transformation in China’s inter-provincial regions presents a typical spatial agglomeration feature of“the east is leading”and“the west is lagging behind”.However,the average growth rate of digital transformation in the central and western regions was 1.566%and 0.929%,respectively,significantly higher than that in the economically developed eastern provinces.Further study the direct and indirect effects of digital financial inclusion on regional digital transformation.The study found that each percentage point increase in the development level of digital financial inclusion would objectively promote the degree and speed of regional digital transformation by 0.154%and 0.177%,respectively.In addition,the research also found that financial service innovation and financial market efficiency are two important transmission mechanisms for digital financial inclusion to affect the digital transformation of regional economy.The increasing effect of digital financial inclusion on the degree and speed of regional digital transformation is more obvious in the regions with high economic growth rate,high market openness and low regulatory intensity.
作者
张辽
岑洁
ZHANG Liao;CEN Jie(School of Economics,Hangzhou Dianzi University,Hangzhou 310018,China)
出处
《西安财经大学学报》
CSSCI
2023年第4期35-50,共16页
Journal of Xi’an University of Finance and Economics
基金
浙江省软科学一般项目“新发展格局下增强产业链自主可控能力的机理、效应评价及路径优化研究”(2021 C35G2041396)。
关键词
普惠金融
数字化转型
金融服务
金融市场
inclusive finance
digital transformation
financial service
financial market