数字普惠金融与民生可持续发展——“数据之治”的中国实践

Digital Inclusive Finance and Sustainable Development of People’s Livelihoods--Practice of“Data Governance”in China

基于熵值法构建民生可持续发展综合指数,监测中国不同地区的民生可持续发展水平,并采用双向固定效应模型研究数字普惠金融对民生可持续发展的影响及其内在机制。研究表明:各地区民生可持续发展水平存在较大差距,且呈现扩大的趋势;数字普惠金融可以通过推动社会就业公平和提高创新水平来改善民生可持续发展水平,是实现“数据之治”的关键举措。

This paper used the entropy power method to construct the comprehensive index of the sustainable development of people’s livelihoods,and then monitored the sustainable development level of people’s livelihoods in different regions of China.Meanwhile,the paper adopted the two-way fixed-effects model to study the impact and its internal mechanism of digital inclusive finance on the sustainable development of people’s livelihoods.The results showed that:the sustainable development level of people’s livelihoods in different regions showed a relatively larger gap,and the gap had a widening trend.The influential mechanisms of digital inclusive finance included promoting fair employment and improving innovation level,which were the key initiatives to realize“data governance”.