摘要
在稳就业、保民生的发展背景下,数字普惠金融的发展能够创造出更多就业机会,有望成为稳定就业的重要推动力。本文使用2011-2021年我国省级面板数据,实证检验了数字普惠金融对就业水平的正向影响机制,并验证了数字普惠金融发展存在的行业、区域和城镇化水平的异质性。结果表明:数字普惠金融对总体就业水平具有促进作用;数字普惠金融会显著促进第二产业和第三产业就业的增加,但会抑制第一产业的就业;由于经济发展和信息化水平存在差异,不同地区之间数字普惠金融对就业水平的影响不同,东中部地区数字普惠金融的促进作用更明显,而西部地区则不显著;同时,相较于低城镇化水平地区,数字普惠金融发展对就业的促进作用在高城镇化水平地区更突出。因此,需要进一步推动数字普惠金融的发展,重视地区差异,推动数字普惠金融均衡发展;引导数字普惠金融服务于实体经济发展,推动传统行业数字化转型;加强居民数字普惠金融教育,增强数字普惠金融服务的可获得性。
Against the backdrop of stabilizing employment and ensuring people's livelihoods,the development of digital inclusive finance can create more job opportunities and is expected to become an important driving force for stable employment.Using China's provincial panel data from 2011 to 2021,this paper empirically tests the positive impact mechanism of digital inclusive finance on employment levels,and verifies the heterogeneity of the industry,region and urbanization level in the development of digital financial inclusion.The results indicate that the promotion effect of digital inclusive finance on the overall employment level is widespread;Digital inclusive finance will significantly promote the increase of employment in the secondary and tertiary industries,but it will suppress employment in the primary industry;Due to differences in economic development and informatization levels,the impact of digital inclusive finance on employment levels varies among different regions.The promotion effect of digital inclusive finance is more significant in the eastern and central regions,while it is not significant in the western regions;At the same time,compared with areas with low urbanization level,the promotion role of digital inclusive financial development on employment is more prominent in areas with high urbanization level.Therefore,it is necessary to further promote the development of digital financial inclusion,pay attention to regional differences,and promote the balanced development of digital financial inclusion;Guide digital inclusive finance to serve the development of the real economy,and promote the digital transformation of traditional industries;Strengthen residents'digital financial inclusion education,and enhance the availability of digital financial inclusion services.
作者
胡晓
谌燕
Hu Xiao;Shen Yan(College of Economics and Management,Nanning Normal University)
出处
《金融发展评论》
2023年第10期31-43,共13页
Financial Development Review
基金
广西哲学社会科学规划研究课题:金融开放门户建设助推广西产业高质量发展的机理与路径研究(20BJY010)
广西研究生教育创新计划项目:新文科下现代信息技术融入经管类研究生课程的机制与路径研究(JGY2021158)的资助。
关键词
数字普惠金融
就业
异质性
Digital Inclusive Finance
Employment
Heterogeneity
作者简介
胡晓,经济学博士,副教授,南宁师范大学经济与管理学院;通讯作者:谌燕,经济学硕士研究生,南宁师范大学经济与管理学院,Email:1819374869@qq.com。
