摘要
基于2011—2022年省级面板数据,构建包含富裕性、共享性和可持续性的共同富裕指数,运用固定效应模型、中介效应模型和门槛效应模型剖析数字普惠金融对共同富裕的影响效果、传导机制及非线性特征。结果表明,数字普惠金融能够直接促进共同富裕,且该作用存在边际递增的非线性特征;创业活跃度和农村产业融合是数字普惠金融间接助力共同富裕的路径,前者有利于数字普惠金融强化共同富裕的富裕性,而后者有利于数字普惠金融增强共同富裕的可持续性,即具有“创富、续航”效果。比较而言,数字普惠金融在高速起始阶段、东部地区和城镇化水平较高地区更有利于促进共同富裕。因此,需要推动数字普惠金融优先发展,确立“励创业、促融合”新导向,实现区域协同发展。
Based on the provincial panel data from 2011 to 2022,a common prosperity index was constructed,which included affluence,sharing and sustainability.The fixed effect model,intermediate effect model and threshold effect model were used to analyze the influence,transmission mechanism and nonlinear characteristics of digital financial inclusion on common prosperity.The results show that digital inclusive finance can directly promote common prosperity,and the effect has a nonlinear feature of marginal increase;Entrepreneurial activity and rural industry integration are the paths for digital inclusive finance to indirectly help common prosperity,and the former is conducive to digital inclusive finance to strengthen the richness of common prosperity,while the latter is conducive to the sustainability of digital inclusive finance to increase common prosperity,that is,it has the effect of“creating wealth and sustaining life”.Comparatively speaking,digital financial inclusion has a better effect on promoting common prosperity in the high-speed initial stage,and digital financial inclusion can significantly promote common prosperity in the eastern and western regions.Therefore,it is necessary to promote the priority development of digital inclusive finance,establish a new orientation of"encouraging entrepreneurship and promoting integration",and achieve regional coordinated development.
作者
何剑
马露瑶
He Jian;Ma Luyao(School of Finance,Xinjiang University of Finance and Economics,Wulumuqi 830012,Xinjiang,China)
出处
《征信》
北大核心
2024年第9期71-82,共12页
Credit Reference
基金
国家自然科学基金项目(7216030084)
新疆财经大学研究生科研创新项目(XJUFE2024K031)。
关键词
数字普惠金融
共同富裕
创富效应
可持续效应
digital inclusive finance
common prosperity
wealth creation effect
sustainable effect