数字普惠金融与区域经济不平衡  

Digital Financial Inclusion and Regional Economic Imbalance

作　　者：李彦龙 沈艳 LI Yanlong;SHEN Yan(University of Chinese Academy of Social Sciences;Peking University)

机构地区：[1]中国社会科学院大学经济学院 [2]北京大学数字金融研究中心 [3]北京大学汇丰商学院,518055 [4]北京大学国家发展研究院

出　　处：《经济学（季刊）》2022年第5期1805-1828,共24页China Economic Quarterly

基　　金：国家社会科学基金重大项目(18ZDA091);国家自然科学基金面上项目(72273005)的资助。

摘　　要：本文结合省市级宏观数据、市县灯光数据和上市公司数据,考察数字普惠金融对区域经济不平衡的影响及传导机制。研究发现数字普惠金融的发展显著缩小了省内、市间和市内经济不平衡,这一效果在非直辖市和南方地区更大。创新和产业转型升级是数字普惠金融影响经济不平衡的主要机制。研究还发现数字普惠金融能显著缩小企业间的人均产出差距,提供了数字普惠金融影响区域经济不平衡的微观证据。Combining provincial and municipal macro data, lighting data and listed company data, this study investigates the influence and transmission mechanism of digital financial inclusion on regional economic imbalance from provincial, city and county levels. The results show that digital financial inclusion reduces the economic imbalance within province, between cities and within cities. The effect is greater in non-municipal and southern areas. Innovation and industrial transformation and upgrading are the main mechanisms. Digital financial inclusion can reduce the per capita output gap between enterprises, which provides micro evidence for the impact of digital financial inclusion on regional economic imbalance.

关 键 词：数字普惠金融 区域经济不平衡 县层面 

分 类 号：F49[经济管理—产业经济] F832F127