数字普惠金融、创业水平与共同富裕

Digital Inclusive Finance,Entrepreneurship Level and Common Prosperity

实现共同富裕是全体人民的美好愿望,大力发展数字普惠金融有助于促进公平、提高效率,推动共同富裕。基于此,本文使用2011—2020年我国31个省的面板数据,实证检验数字普惠金融对共同富裕的影响效应和促进机制。基准回归表明,数字普惠金融能有效促进经济发展,提升居民可支配收入水平;中介回归结果表明,数字普惠金融通过提升地区创业水平来促进各地经济增长、提升居民的可支配收入水平,从而促进共同富裕。在进行稳健性分析后,结果依然成立。

Realising common prosperity is the good wish of all people,and the vigorous development of digital inclusive finance can help promote fairness,improve efficiency and promote common prosperity.Based on this,this paper uses the panel data of 31 provinces in China from 2011 to 2020 to empirically test the impact effect and promotion mechanism of digital inclusive finance on common prosperity.The benchmark regression shows that digital inclusive finance can effectively promote economic development and raise the level of disposable income of residents;the mediation regression results show that digital inclusive finance promotes economic growth and raises the level of disposable income of residents in places by raising the level of regional entrepreneurship,thus promoting common prosperity.The results still hold after robustness analysis.