数字普惠金融影响我国共同富裕的效应研究

Research on the Effect of Digital Inclusive Financeon the Common Prosperity in China

文章基于2011—2021年省级面板数据,利用双向固定效应模型和门槛效应模型研究数字普惠金融影响我国共同富裕的效应。结果表明:数字普惠金融水平的提高对实现我国共同富裕有正影响效应,且这种影响效应存在明显的区域异质性,数字普惠金融对西部地区共同富裕的促进作用大于东部地区。数字金融覆盖广度、数字金融使用深度与共同富裕存在正相关关系,且在对应门槛变量达到一定值后,对共同富裕的促进作用显著增强;而普惠金融数字化程度与共同富裕呈负相关,但是当普惠金融数字化达到一定程度后,其将对共同富裕产生显著的正向影响。

Based on provincial panel data from 2011 to 2021,this paper uses the two-way fixed effect model and threshold effect model to study the impact of digital inclusive finance on the common prosperity in China.The results indicate that the improvement of the level of digital inclusive finance is conducive to the realization of China's common prosperity process,but there exists obvious regional heterogeneity.The promoting effect of digital inclusive finance on common prosperity in the western region is greater than that in the eastern region.There is a positive correlation between the breadth,depth of digital finance coverage and common prosperity,and the promotion effect on common prosperity is significantly enhanced after the corresponding threshold variable reaches a certain value;while the degree of digitalization of inclusive finance is negatively correlated with common prosperity,but it will have a significant positive impact on common prosperity when it reaches a certain level.