数字普惠金融影响网络零售业发展的机制和效应研究——基于动态空间杜宾模型的分析  

Digital inclusive finance affects the development of the development of the network retail industry——Base based on the analysis of dynamic space Dubin model

作　　者：焦云霞[1] Jiao Yunxia

机构地区：[1]中国社会科学院数量经济与技术经济研究所

出　　处：《价格理论与实践》2021年第11期129-133,198,共6页Price:Theory & Practice

摘　　要：在对数字普惠金融影响网络零售业发展的机制分析基础上,本文基于2015-2020年的省级面板数据,采用动态空间杜宾模型实证检验数字普惠金融影响网络零售业发展的直接效应和空间溢出效应。研究发现:我国数字普惠金融和网络零售业发展均存在显著的空间相关性,且网络零售业发展具有明显的空间溢出效应;数字普惠金融对网络零售业发展产生了积极的正向推动作用,且总效应和直接效应均应为正,但空间溢出效应为负。基于研究结论,建议地方政府重视数字普惠金融发展,并充分利用空间溢出效应,促进网络零售业的区域协调发展。This paper analyzes the influence mechanism of digital inclusive finance affecting the development of online retail industry. By using dynamic spatial Durbin model, this paper empirically tests the direct effect and spatial spillover effect of digital inclusive finance on the development of online retail industry based on the panel data from 2015 to 2020.It is found that the development of digital inclusive finance has significant spatial correlation in China, and so does the online retail industry, and the development of online retail industry has obvious spatial spillover effect. It is also found that digital inclusive finance has a positive effect on the development of online retail industry, in which the total effect and direct effect are positive, but the spatial spillover effect is negative. According to the research conclusion, this paper suggests that local governments should pay attention to the development of digital inclusive finance, and give full play to the spatial spillover effect of online retail industry by enhancing the exchange and cooperation of online retail industry among regions.

关 键 词：数字普惠金融 网络零售业 空间杜宾模型 

分 类 号：F832[经济管理—金融学] F49F724.6