数字普惠金融能否改善不平衡不充分的发展局面?  

Can Digital Financial Inclusion Improve the Unbalanced and Inadequate Development Situation?

作　　者：肖威[1] Xiao Wei(School of Economics and Finance,Huaqiao University)

机构地区：[1]华侨大学经济与金融学院,362021

出　　处：《经济评论》2021年第5期50-64,共15页Economic Review

基　　金：国家社会科学基金青年项目“机会均等视域下数字经济影响居民收入分配研究”(项目编号:20CJL028)资助。

摘　　要：中国经济发展的区域不平衡已经成为亟待解决的重要问题。本文利用县域经济数据和城市经济数据分别进行面板分位数回归研究,发现数字普惠金融发展能够通过存款机制和贷款机制有效促进经济增长,并且经济增长效应在经济欠发达地区强于经济较发达地区。数字普惠金融的二级指标覆盖广度、使用深度和数字化程度都能促进经济增长,其中覆盖广度对缩小区域经济发展差距的作用最大,而使用深度对促进经济增长的作用最大。分地区回归结果表明数字普惠金融促进中西部地区经济增长的作用大于东部地区,它既能缩小中西部地区与东部地区的经济发展差距,也能缩小区域内部的经济发展差距。最后,本文提出实施数字普惠金融优先发展战略、平衡区域之间数字普惠金融发展等政策建议。The regional imbalance of China’s economic development has become an important issue to be solved urgently. This article performed panel data quantile regression model through the usage of the county economic data and urban economic data, and found that the development of digital inclusive finance can effectively promote economic growth through deposit mechanism and loan mechanism, and the economic growth effect in the undeveloped regions was stronger than that in the developed regions. The coverage breadth, usage depth and digitization level which were the second-level indicators of digital inclusive finance index can promote economic growth. Among them, the coverage breadth has the greatest effect on narrowing the gap of regional economic development, while the usage depth has the greatest effect on promoting economic growth. The results of the regional regression show that the economic growth effect of digital financial inclusion in central and western regions is greater than that in eastern regions, which can not only narrow the development gap between eastern and midwest of China, but also narrow the development gap within the region. Finally, some policy suggestions are put forward, such as implementing the priority development strategy of digital finance and balancing the development of digital inclusive finance among regions.

关 键 词：数字普惠金融 地区经济增长 区域经济发展差距 面板数据分位数回归 

分 类 号：F124[经济管理—世界经济] F49F832