摘要
新型城镇化与数字普惠金融发展良性循环,我国部分地区存在的激进城镇化问题是否会破坏二者良性循环亟待研究。本文运用夜间灯光数据检验激进城镇化对数字普惠金融发展的影响。面板固定效应模型结果表明,长期来看激进城镇化抑制数字普惠金融发展,且小微经济主体的金融需求在其中发挥了中介作用。空间杜宾模型结果表明,激进城镇化对数字普惠金融发展的影响具有空间溢出特点。此外,激进城镇化对数字普惠金融的影响具有明显的区域异质性,且主要影响数字普惠金融的覆盖广度和数字化程度。据此,应进一步优化城镇化和数字普惠金融发展战略,实现两者发展双向互促。
Urbanization and the development of digital Inclusive Finance have a virtuous cycle.Whether the radical urbanization problems in some regions of China will destroy the virtuous cycle of the two needs to be studied.This paper uses night light data to test the impact of radical urbanization on the development of digital Inclusive Finance.The panel fixed effect model shows that in the long run,radical urbanization inhibits the development of digital Inclusive Finance,and the financial demand of small and micro economic entities plays an intermediary role.The results of spatial Dobbin model show that the impact of radical urbanization on the development of digital Inclusive Finance has the characteristics of spatial spillover.In addition,the impact of radical urbanization on digital Inclusive Finance has obvious regional heterogeneity,and mainly affects the coverage and digitization of digital Inclusive Finance.Accordingly,the development strategies of urbanization and digital inclusive finance should be further optimized to achieve two-way mutual promotion.
作者
罗兴
陈旸
何奇龙
Luo Xing;Chen Yang;He Qilong(Business School of Zhengzhou University;Zhengzhou University New Finance Research Institute)
出处
《金融发展评论》
2024年第6期30-45,共16页
Financial Development Review
关键词
激进城镇化
数字普惠金融
金融需求
Radical Urbanization
Digital Inclusive Finance
Financial Demand
作者简介
罗兴,博士,副教授,郑州大学商学院,郑州大学新金融研究院;陈旸,研究生,郑州大学新金融研究院研究助理;通讯作者:何奇龙,博士,副教授,郑州大学商学院,郑州大学新金融研究院,Email:heqilonghmily@zzu.edu.cn。
