数字金融时代金融包容的全球空间效应  

Global Spatial Effects of Financial Inclusion in the Digital Finance Era

作　　者：付争[1] 周帅[1] Fu Zheng;Zhou Shuai

机构地区：[1]辽宁大学国际经济政治学院

出　　处：《世界经济研究》2021年第8期3-16,119,M0002,共16页World Economy Studies

基　　金：国家社会科学基金重大项目“构建人类命运共同体进程中国际经贸规则重构博弈与中国的战略选择”(项目编号:19ZDA053);辽宁省教育厅2020年高等学校青年科技人才“育苗”项目“空间政治经济学视域下全球金融空间演化脉络与动力机制研究”(项目编号:LQN202023);辽宁大学亚洲研究中心一般项目“全球金融空间重塑下的东亚货币合作研究”(项目编号:Y201912)。

摘　　要：伴随数字金融技术在发展中国家的广泛应用,金融服务的参与主体与支付格局正在悄然改变,数字金融以其自身的金融包容效应推动了金融包容水平在全球范围内提升。文章利用2011~2017年53个具有金融关联的国家或地区的相关数据,运用空间面板回归模型实证检验了数字金融时代金融包容的全球空间效应及其传递机制。结果表明,互联网普及率、中青年人口占比、伊斯兰金融发展水平和失业率都对金融包容空间效应的跨国传递起到促进作用。提高经济自由度,特别是投资自由度,可以保证银行体系稳健性与金融包容空间扩张同步进行。鉴于中国是数字金融技术应用普及的大国,中国应兼容不同教义与文化的金融产品和服务,加速与金融关联国家建立互利共赢的金融包容体系,共享金融包容所产生的空间溢出效应,形成与发达国家"金融排斥"不同的金融比较优势,改善以中国为代表的发展中国家在全球金融空间结构中的不对等地位。With the widespread application of digital financial technology in developing countries,the participants in financial services and the payment pattern are quietly changing.With its own financial inclusion effects,digital finance has promoted the improvement of financial inclusion on a global scale.This article uses the relevant data of 53 financially connected countries or regions from 2011 to 2017,and uses the spatial panel regression model to empirically test the global spatial effects of financial inclusion in the digital finance era and its transmission mechanism.The results show that the internet penetration rate,the proportion of the young and middle-aged population,the level of Islamic finance development and the unemployment rate will all promote the transnational transmission of the spatial effect of financial inclusion.Increasing economic freedom,especially investment freedom,can ensure the robustness of the banking system and the expansion of financial inclusion space simultaneously.Given that China is a big country in the popularization of digital financial technology,China should be compatible with financial products and services of different doctrines and cultures,accelerate the establishment of a mutually beneficial and win-win financial inclusion system with financial-related countries,share the spatial spillover effect generated by financial inclusion,and form a different financial comparative advantages of developed countries"financial exclusion"improve the unequal status of developing countries represented by China in the global financial space structure.

关 键 词：数字金融 金融包容 全球空间效应 银行稳健性 

分 类 号：F831[经济管理—金融学]