数字普惠金融发展对城镇就业影响的实证研究

An Empirical Study on the Impact of Digital Inclusive Finance Development on Urban Employment

为研究数字普惠金融发展对城镇就业的影响,选取我国31个省份2011—2021年的面板数据进行实证,并探究我国数字普惠金融发展对城镇就业影响的中介渠道。研究结果表明:首先,我国数字普惠金融发展能够带动城镇就业改善,但改善效果呈现地区异质性,且低消费能力的地区和产业结构水平高的地区数字普惠金融发展对城镇就业的影响效果更为明显。其次,数字化程度和使用深度大于覆盖广度对城镇就业的改善效果。覆盖广度在东部地区效果明显,使用深度在中部和东部地区效果明显,覆盖程度在西部地区效果明显。最后,居民消费水平提升和产业结构升级在数字普惠金融发展对城镇就业的影响中发挥中介作用。因此,建议充分发挥数字普惠金融发展对城镇就业的带动作用,因地制宜推进区域数字普惠金融发展,提升居民消费水平并优化产业结构,健全数字普惠金融发展的监管机制。

In order to study the impact of the development of digital inclusive finance on urban employment,the panel data of 31 provinces in China from 2011 to 2021 were selected for demonstration,and the intermediary channels for the impact of the development of digital inclusive finance on urban employment in China were explored.The research results show that:first of all,the development of digital inclusive finance in China can promote the improvement of urban employment,but the improvement effect shows regional heterogeneity,and the development of digital inclusive finance in regions with low consumption power and high industrial structure has more obvious effects on urban employment.Secondly,the degree of digitalization and depth of use are greater than the coverage of the improvement of urban employment.The effect of coverage is obvious in the eastern region,the depth in the central and eastern regions,and the coverage in the western region.Finally,the improvement of residents'consumption level and industrial structure upgrading play an intermediary role in the impact of the development of digital inclusive finance on urban employment.Therefore,it is suggested to give full play to the driving role of the development of digital inclusive finance in urban employment,promote the development of regional digital inclusive finance according to local conditions,improve the consumption level of residents and optimize the industrial structure,and improve the supervision mechanism for the development of digital inclusive finance.