数字普惠金融对经济高质量发展的影响分析

Impact of Digital Inclusive Finance on High-quality Economic Development

数字普惠金融拥有数字化技术的支持,有助于当前中国经济对普惠性和精准性的发展要求。大力发展数字普惠金融,促进金融业可持续均衡发展,可推动经济的全面发展。本文采用2012—2021年我国31个省份的面板数据进行分析,通过构建模型并进行回归分析发现数字普惠金融会对经济高质量发展起到促进作用,再通过中介效应,发现数字普惠金融会通过居民消费指数路径对我国经济高质量发展产生影响,最后进行稳健性检验,验证了数字普惠金融确实会促进经济高质量发展,在之后的经济发展过程中要积极推进数字普惠金融的发展,充分发挥其推动作用。

Supported by digital technology,Digital inclusivefinance contributes to meeting the current developmental requirements of inclusivity and precision in the Chinese economy.The vigorous development of digital inclusivefinance can promote thefinancial industry sustainably and balanced and comprehensive economic growth.This article analyzes panel data from 31 provinces in China from 2012 to 2021.By constructing models and regression analysis,the study finds that digital inclusive finance plays a facilitating role in the high-quality development of the economy.Through intermediary effects,it is revealed that digital inclusive finance impacts the high-quality development of the Chinese economy through the residents’consumption index.Robustness tests further verify that digital inclusivefinance indeed promotes high-quality economic development.It is recommended to actively promote the development of digital inclusivefinance and fully leverage its driving role for future economic development.