资源配置视角下数字普惠金融对区域创新创业的影响研究

Research on the Impact of Digital Inclusive Finance on Regional Innovation and Entrepreneurship from the Perspective of Resource Allocation

基于中国2011-2019年31个省(区、市)面板数据,通过计量经济模型分析了数字普惠金融对区域创新创业的影响,并检验金融资源配置效率和人力资本在该过程中的传导作用和调节效应,研究发现,数字普惠金融显著促进了区域创新创业,金融资源配置效率将通过遮掩效应在其中产生传导作用。人力资本弱化了数字普惠金融对区域创新创业的影响,可围绕数字普惠金融的生态构建、金融资源配置、外部条件改善等方面提升区域创新创业水平。

This paper selects panel data of 31 provinces in China from 2011 to 2019,analyzes the impact of digital inclusive finance on regional innovation and entrepreneurship through an econometric model,and tests the transmission and regulatory effects of financial resource allocation efficiency and human capital in this process.Research has found that digital inclusive finance significantly promotes regional innovation and entrepreneurship,and the efficiency of financial resource allocation will have a transmission effect through the masking effect,while human capital weakens the impact of digital inclusive finance on regional innovation and entrepreneurship.Research has shown that the level of regional innovation and entrepreneurship can be improved around the ecological construction of digital inclusive finance,financial resource allocation,and improvement of external conditions.