数字普惠金融支持实体经济发展的影响研究  

Research on impact of digital financial inclusionsupporting real economy development

作　　者：褚莹莹 章迪平[1] CHU Yingying;ZHANG Diping(School of Science,Zhejiang University of Science and Technology,Hangzhou 310023,Zhejiang,China)

机构地区：[1]浙江科技学院理学院,杭州310023

出　　处：《浙江科技学院学报》2023年第2期136-143,158,共9页Journal of Zhejiang University of Science and Technology

基　　金：浙江省软科学研究计划项目(2023C35002);浙江省教育厅一般科研项目(研究生专项)(Y202146820)。

摘　　要：为探究数字普惠金融能否真正有效地支持实体经济发展,根据2015—2019年北京大学数字普惠金融发展指数与中国31个省(自治区、直辖市)的相关经济数据,首先运用空间误差模型分析数字普惠金融对地区实体经济发展的影响机理,然后使用面板门槛模型检验二者存在的非线性效应。结果表明:数字普惠金融可有效提升地区实体经济的高质量发展,且本地区的发展易受周边地区影响,但当前不存在对周边地区的空间溢出效应;数字普惠金融与实体经济发展之间非线性关系显著,表现为明显的单门槛特征,当数字普惠金融发展水平跨过216.12后,实体经济会伴随其发展得到显著提升且作用明显。本研究结果为数字普惠金融支持实体经济发展提供实证依据,并为完善数字普惠金融实践,推动实体经济高质量发展提供可行性建议。In order to explore whether digital financial inclusion can effectively support real economy development,according to the Peking University Digital Financial Inclusion Index of China from 2015 to 2019 and the relevant economic data of 31 provinces(autonomous regions and municipalities)in China,the spatial error model was used to explore the impact mechanism of digital financial inclusion on the development of regional real economy.Then,the panel threshold model was employed to test the existence of nonlinear effects between the two.The results show that digital financial inclusion can effectively improve the high-quality development of regional real economy,and the development of the local area is vulnerable to the influence of the surrounding area,but there is no spatial spillover effect on the surrounding area;there is a significant nonlinear relationship between digital financial inclusion and real economy development,showing an obvious single threshold feature.When the development level of digital financial inclusion crosses the value of 216.12,the real economy will be significantly improved with its development.The research results provide empirical evidence for digital financial inclusion to support real economy development,and put forward feasible suggestions on improving the practice of digital financial inclusion supporting the high-quality development of real economy.

关 键 词：空间误差模型 门槛效应 金融创新 实体经济 

分 类 号：F832[经济管理—金融学]