数字普惠金融对就业的影响及空间效应研究  

On the impact of digital inclusive finance on employment and its spatial spillover effect

作　　者：马国旺[1] 王天娇 MA Guowang;WANG Tianjiao(School of Economics,Tianjin University of Finance and Economics,Tianjin 300222,China)

机构地区：[1]天津财经大学经济学院,天津300222

出　　处：《中南大学学报（社会科学版）》2022年第3期138-152,共15页Journal of Central South University：Social Sciences

基　　金：天津市哲学社会科学规划重点项目“高质量发展阶段增强天津市民营经济‘三力’研究”(TJLJ19-002)。

摘　　要：在分析数字普惠金融对就业影响机制的基础上,基于2011—2018年中国省级面板数据,实证研究了数字普惠金融发展对我国总体就业和三次产业就业的影响及空间效应。研究发现,数字普惠金融对我国总体就业和三次产业就业均存在显著促进作用,且对第二产业就业的促进作用更强;数字普惠金融能够显著促进中西部地区就业,且对中部地区就业的促进作用更强。空间相关性分析表明,数字普惠金融发展对本地区总体就业和三次产业就业存在显著促进作用,而对邻近地区总体就业和三次产业就业存在显著的负向空间溢出效应。政策建议:提升数字普惠金融对就业的正向影响,应着眼中小企业、创新型企业和三农群体融资“痛点”,结合地区差异,精准施策;加强区域间的交流与合作,避免形成无序竞争。Based on analyzing the impact mechanism of digital inclusive finance on employment,and employing China’s provincial panel data from 2011 to 2018,the paper empirically studies the influence and spatial effect of digital inclusive finance development on overall employment and employment of the three industries in China.The study finds that digital inclusive finance has a significant promoting effect on the overall employment and the employment of the three industries,with the promotion effect on the employment of the secondary industry being stronger,and that digital inclusive finance can significantly promote employment in central and western regions,and exerts a stronger role in promoting employment in central regions.The spatial correlation analysis shows that digital inclusive finance can promote the local overall employment and employment of the three industries,but there exists a significant negative spatial spillover effect on the overall employment and employment of the three industries of neighboring areas.Relevant policy suggests that to improve the positive impact of digital inclusive finance on employment,we should focus on the“sore point”of financing for small and medium scale enterprises,innovative enterprises,agriculture,countryside,and farmers,combine regional differences in targeting precise measures,and strengthen exchanges and cooperation between regions to avoid disordered competition.

关 键 词：数字普惠金融 就业 就业结构 空间效应 

分 类 号：F832[经济管理—金融学] F249.2