摘要
基于2011~2018年中国278个地级市数据,评估了数字普惠金融对城市全要素生产率增长的影响。研究发现:(1)数字普惠金融对城市全要素生产率增长具有显著性正向影响。(2)数字普惠金融通过提升技术创新水平、产业结构升级及缓解资源错配等途径,促进了城市全要素生产率增长。(3)中东部地区、大中城市、科技水平较高、传统基础设施完善,数字普惠金融显著促进了城市全要素生产率增长。最后,本文提出了因地制宜地制定数字普惠金融政策,加大金融创新和金融改革力度等政策建议。
Based on the data of 278 prefecture level cities in China from 2011 to 2018, the author made an statistical analysis on the impact of digital Inclusive Finance on the growth of urban total factor productivity. The results show that: firstly, digital Inclusive Finance has a significant positive impact on the growth of urban TFP. Secondly, Digital inclusive finance promotes the growth of urban total factor productivity by promoting technological innovation, upgrading industrial structure and alleviating resource mismatch. Thirdly, In central and eastern regions, large and medium-sized cities, cities with high level of science and technology and perfect traditional infrastructure, digital Inclusive Finance has significantly promoted the growth of urban TFP. Finally, the author put forward some proposals, such as making digital inclusive financial policy according to local conditions, strengthening financial innovation and financial reform.
出处
《投资研究》
CSSCI
北大核心
2021年第1期4-15,共12页
Review of Investment Studies
基金
河南省软科学研究计划项目:农村土地经营权抵押贷款政策减贫效应研究(编号:202400410070)
河南省哲学社会科学规划:河南省农地经营权抵押贷款试点效果研究(编号:2020BJJ011)
关键词
数字普惠金融
全要素生产率
资源错配
创新激励
产业结构升级
Digital Inclusive Finance
Total factor productivity
Resource mismatch
Innovation incentive
Industrial structure upgrading
作者简介
惠献波,河南财政金融学院工商管理学院,博士,硕士生导师,副教授。
