地方政府数字金融服务平台促进了银行信贷投放吗  

Can Digital Financial Services Platform of Local Government Promote Bank Credit Allocation

作　　者：李曜[1] 胡涛 LI Yao;HU Tao(School of Finance,Shanghai University of Finance and Economics,Shanghai 200433,China)

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《广东财经大学学报》2023年第2期4-18,共15页Journal of Guangdong University of Finance & Economics

基　　金：国家社会科学基金一般项目(19BJY261)。

摘　　要：数字金融服务平台是由地方政府主导建设并服务于中小微企业的普惠性网络信息平台,是破解“融资难、融资贵、融资繁”问题、推动银行信贷投放的重要渠道。利用不同城市平台成立时间的差异,构造多期双重差分模型进行实证研究,发现地方政府数字金融服务平台能够显著促进银行的信贷投放,并且这种促进效应在不同城市和不同平台层面表现出丰富的差异性。进一步分析发现,地方政府设立数字金融服务平台主要从信息不对称、金融服务效率、金融服务覆盖范围以及社会信用环境等四个渠道促进了银行的信贷投放。研究还发现互联网金融的发展加强了数字金融服务平台对银行信贷投放的促进作用。研究结论对于当前我国各级政府推动建设数字金融服务平台具有重要的参考意义。As a new type of financial infrastructure,digital financial service platform is an important tool for local governments to solve the problems of"difficult,expensive and complicated financing"and promote bank credit allocation.Using the differences in the time of setting up digital financial service platforms in different cities,the paper constructs a multi-period double difference model to conduct an empirical study.It is found that the digital financial service platforms of local governments can significantly promote the credit allocation of banks,and this promotion effect shows rich variability at the level of different cities and different platforms.Further analysis reveals that the establishment of digital financial service plaforms by local governments promotes bank credit allocation mainly through four channels:information asymmetry,financial service efficiency,financial service coverage,and social credit environment.The study also finds that the development of Internet finance strengthens the role of digital financial service platforms in bank credit placement.This study has inspiration for governments at all levels in China to promote the construction of digital financial service platforms.

关 键 词：数字普惠金融 金融服务平台 地方政府 银行信贷 互联网金融 

分 类 号：F832.7[经济管理—金融学]