摘要
利用数字普惠金融推动共同富裕的实现是新时代中国经济高质量发展的要求。本文基于中国31个省份2013—2020年的面板数据,实证检验了数字普惠金融促进共同富裕的影响及作用机制。研究发现:数字普惠金融能够直接推动共同富裕的实现,提高居民幸福感;路径分析表明,数字普惠金融通过刺激居民消费,促进消费升级,也可以通过提升企业创新水平和缓解融资约束,提高企业和居民的收入,进而实现共同富裕;区域异质性分析表明,数字普惠金融对东部和西部地区的共同富裕推动作用强于中部地区,数字普惠金融促进东部地区经济发展质量及西部地区经济发展速度显著提高,从而显著促进东西部地区的共同富裕。
The use of digital inclusive finance to promote the realization of common prosperity is a requirement for the high-quality development of China’s economy in the new era.This paper empirically examines the impact and mechanism of digital inclusive finance to promote common prosperity based on panel data from 31 provinces in China from 2013 to 2020.The study finds that digital inclusive finance can directly promote the realization of common prosperity and improve the residents’sense of well-being.Path analysis shows that digital inclusive finance can promote consumption upgrading by stimulating residents’consumption,and can also improve the income of enterprises and residents by enhancing the level of enterprise innovation and alleviating financing constraints,thus realizing common prosperity.Analysis of regional heterogeneity shows that digital inclusive finance has a stronger eff ect on promoting common prosperity of the eastern and western regions than that of the central regions;digital inclusive finance promotes the quality of economic development in the eastern regions and the speed of economic development in the western regions is improved significantly,thus having a significant eff ect on the common prosperity of the eastern and western regions.
作者
孙雯宇
SUN Wenyu(School of Statistics and Mathematics,Shandong University of Finance and Economics Jinan,Shandong 250000)
出处
《中国商论》
2023年第15期33-38,共6页
China Journal of Commerce
关键词
数字普惠金融
共同富裕
消费水平
创新水平
融资约束
digital inclusive finance
common prosperity
consumption level
innovation level
financing constraints
作者简介
孙雯宇(2002-),女,汉族,山东曲阜人,金融学专业。
