数字普惠金融推动西部地区经济发展的实证检验

An Empirical Test of Digital Inclusive Finance Promoting Economic Development in Western China

文章选取2011—2020年我国西部地区12个省份区域经济发展季度数据,实证探析数字普惠金融与西部地区经济发展之间的关系,并使用工具变量法及替换核心解释变量法对实证结果进行稳健性检验。结果表明:数字普惠金融的发展对我国西部地区经济整体发展具有推动作用,并呈现阶段性和区域异质性特征;数字普惠金融有助于缩小西部地区经济发展差距。

This paper selects the quarterly data of regional economic development of 12 provinces in western China from 2011 to 2020,and empirically analyzes the relationship between digital inclusive finance and economic development in western China.Then the paper uses the instrumental variable method and the core explanatory variable replacement method to test the robustness of the empirical results.The results show that the development of digital inclusive finance plays an important role in promoting the overall economic development of western China,and presents the characteristics of stage and regional heterogeneity,and that the digital inclusive finance helps narrow the economic development gap in the western region.