数字普惠金融对长三角城市创新效率的影响研究  

The Impact of Digital Inclusive Finance on Innovation Efficiency in the Yangtze River Delta Cities

作　　者：贡伊林 徐美银[1] GONG Yi-lin;XU Mei-yin(Business College,Yangzhou University,Yangzhou 225009,China)

机构地区：[1]扬州大学商学院,江苏扬州225009

出　　处：《长春金融高等专科学校学报》2023年第3期26-36,共11页Journal of Changchun Finance College

基　　金：扬州大学学术科技创新基金项目(X20220871);扬州大学商学院研究生创新项目(SXYYJSKC202206)。

摘　　要：创新是我国高质量发展的推动力,城市是创新活动的集中发生地。创新的产生离不开金融体系的支撑。在数字经济时代,数字普惠金融因其便捷性、广泛性、普惠性、数字化的特征为各类创新主体提供金融支持,对城市创新效率产生影响。基于2011—2020年长三角城市数据,应用固定效应模型,探究数字普惠金融对长三角城市创新效率的影响,得出如下结论:长三角城市创新效率呈波动上升态势;数字普惠金融可以显著提升长三角城市创新效率;数字普惠金融与长三角城市创新效率之间存在倒“U”形关系。异质性检验方面,数字普惠金融对人口规模较小城市、经济发展水平较低城市的创新效率的提升程度更大,表现出明显的普惠性特征。Innovation serves as a driving force for China's high-quality development,and cities are the focal points of innovative activities.The emergence of innovation relies on the support of financial systems.In the era of the digital economy,digital inclusive finance,characterized by its convenience,wide accessibility,inclusiveness,and digitization,provides financial support to various innovative entities,thereby influencing urban innovation efficiency.Based on data from 2011 to 2020 for cities in the Yangtze River Delta region,this study employs a fixed-effects model to investigate the impact of digital inclusive finance on innovation efficiency in these cities.The following conclusions are drawn:the innovation efficiency of the Yangtze River Delta cities exhibits a fluctuating upward trend;digital inclusive finance significantly enhances the innovation efficiency of these cities;there exists an inverted"U-shaped"relationship between digital inclusive finance and innovation efficiency in the Yangtze River Delta cities.Heterogeneity tests reveal that digital inclusive finance has a greater impact on improving innovation efficiency in cities with smaller population sizes and lower levels of economic development,highlighting its inclusive characteristics.

关 键 词：数字普惠金融 城市创新效率 长三角 倒“U”形关系 

分 类 号：F124.3[经济管理—世界经济] F832.7