数字普惠金融与地区间共同富裕——理论逻辑和经验证据  

Digital Financial Inclusion and Inter-Regional Common Prosperity——Theoretical Logic and Empirical Evidence

作　　者：余江龙 周建 崔敏[4] YU Jiang-long;ZHOU Jian;CUI Min(China Academy of Corporate Governance,Nankai University,Tianjin 300071;Business School,Nankai University,Tianjin 300071;Binhai College,Nankai University,Tianjin 300270;Business School,University of International Business and Economics,Beijing 100029,China)

机构地区：[1]南开大学中国公司治理研究院,天津300071 [2]南开大学商学院,天津300071 [3]南开大学滨海学院,天津300270 [4]对外经济贸易大学国际商学院,北京100029

出　　处：《山西财经大学学报》2022年第10期1-15,共15页Journal of Shanxi University of Finance and Economics

基　　金：国家自然科学基金项目(71672088、71862006);天津市2020年度哲学社会科学规划重点委托项目(TJZDWT202001-13);天津市研究生科研创新项目(2021YJSB033)。

摘　　要：从公平和效率的视角阐述了数字普惠金融促进地区间共同富裕的理论逻辑和作用机制,并利用337个地级以上城市2011—2019年的数据进行了检验。研究发现:数字普惠金融能够同步促进各地区的经济增长,但其对各地区经济增长的促进作用存在差异;数字普惠金融主要通过提升地区资本配置效率和地区创业水平促进各地区的经济增长;市场化水平可以调节数字普惠金融与地区经济增长之间的关系,市场化水平越高的地区,数字普惠金融对经济增长的促进作用越大;数字普惠金融对经济增长的促进作用存在区域差异,其对中西部地区经济增长的边际贡献大于东部地区。This paper expounded the theoretical logic and action mechanism of digital finance inclusion promoting inter-regional common prosperity from the perspectives of equity and efficiency,and then used the data of 337 prefecture-level cities from 2011 to2019 to conduct a test.The results showed that,digital finance inclusion can simultaneously promote the economic growth of various regions,but this promoting effect differed among regions.Here the action paths included improving the efficiency of regional capital allocation and the level of regional entrepreneurship.Besides,marketization level played a regulatory role in this relation.That is,higher marketization level can strengthen the promoting effect.Considering regional differences,the marginal contribution of digital finance inclusion to economic growth in central and western regions was larger than that in the east.

关 键 词：数字普惠金融 共同富裕 资本配置效率 地区创业水平 市场化水平 

分 类 号：F832.5[经济管理—金融学]