数字普惠金融赋能脱贫摘帽地区内生发展的效应测度与动力机制

Effect Measurement and Driving Mechanism of Endogenous DevelopmentEmpowered by Digital Inclusive Finance in Poverty Alleviation Areas

数字普惠金融有助于突破脱贫摘帽地区长期面临的金融排斥困境,对于提升内生发展动力、降低脱贫后返贫的隐患具有十分重要的现实意义。文章基于脱贫摘帽地区县域面板数据,运用空间计量模型实证考察了脱贫摘帽地区数字普惠金融与内生发展动力之间的关系。研究发现:(1)脱贫摘帽地区数字普惠金融发展显著地提升了内生发展动力,同时,数字普惠金融覆盖广度、使用深度以及数字化程度均发挥了积极的作用;(2)异质性分析表明,数字普惠金融发展更有利于提升东中部脱贫摘帽县域、人力资本水平和信息化水平较高的脱贫摘帽县域的内生发展动力;(3)促进产业规模化以及城镇化发展是脱贫摘帽地区数字普惠金融提升内生发展动力的主要机制。

Digital financial inclusion can help break through the long-term financial exclusion dilemma faced by poverty alleviation regions,and it is of great practical significance for enhancing endogenous development motivation and reducing the hidden danger of returning to poverty after poverty alleviation.Based on the county panel data in the poverty alleviation areas,this paper uses a spatial econometric model to empirically examine the relationship between digital financial inclusion and endogenous development momentum in poverty alleviation areas.It is found that:(1)The development of digital financial inclusion in poverty alleviation and hat-relief areas has significantly improved the endogenous development momentum.At the same time,the coverage,depth of use and digitalization of digital financial inclusion have played a positive role;(2)The heterogeneity analysis shows that the development of digital financial inclusion is more conducive to improving the endogenous development momentum in poverty alleviation counties as well as in the eastern and central regions with higher human capital levels and better informationization;(3)Industrial scale promotion and urbanization development is the main mechanism for digital financial inclusion in poverty alleviation areas to enhance endogenous development momentum.