数字金融、产业集聚与欠发达地区经济高质量发展——来自国家级承接产业转移示范区的经验证据  

Digital Finance,Industrial Agglomeration and High-quality Economic Development in Underdeveloped Areas——Empirical Evidence from National Demonstration Zones Undertaking Industrial Transfer

作　　者：赵瑞霞[1] 王攀 Zhao Ruixia;Wang Pan(School of Business,Hunan University of Science and Technology,Xiangtan,Hunan 411201,China)

机构地区：[1]湖南科技大学商学院,湖南湘潭411201

出　　处：《西部经济管理论坛》2023年第4期21-34,共14页West Forum on Economy and Management

基　　金：国家社会科学基金一般项目“产业转移驱动国家级示范区高质量发展的机制与路径研究”(20BJL113)。

摘　　要：本文借助国家级承接产业转移示范区所覆盖城市2011—2019年的面板数据,采用双向固定效应模型、面板分位数回归和中介效应模型等实证方法,基于产业集聚的视角,检验了数字金融对欠发达地区经济高质量发展的影响。研究发现:数字金融能够促进示范区经济高质量发展,且其边际影响呈现出逐渐增加的趋势;现阶段产业专业化集聚是数字金融影响欠发达地区经济高质量发展的重要作用机制,而产业多样化集聚的作用不显著;数字金融的各个维度都对欠发达地区经济高质量发展有影响,但金融数字化服务程度、数字金融使用深度需要借助产业专业化集聚发挥作用,而数字金融覆盖广度则直接作用于欠发达地区经济高质量发展。基于上述研究结论,本文提出了相应的对策建议:鼓励欠发达地区的传统金融服务向数字化转型升级;在产业承接过程中要注重产业的专业化集聚;提高数字金融在欠发达地区的覆盖广度。This study utilizes panel data from 2011 to 2019,covering cities in national demonstration areas for industrial transfer,to examine the impact of digital finance on the high-quality economic development of underdeveloped regions.Empirical methods such as the two-way fixed effect model,panel quantile regression,and mediation effect model are employed from the perspective of industrial agglomeration.The findings reveal that digital finance can stimulate highquality economic development in demonstration areas,with a gradual increase in its marginal impact.Currently,industrial specialization agglomeration plays a crucial role as a mechanism through which digital finance influences high-quality economic development in underdeveloped regions,while industrial diversification agglomeration is not significant.Each dimension of digital finance has a significant impact on the high-quality economic development of underdeveloped regions.However,the degree of digital financial services and the depth of digital finance usage require the facilitation of industrial specialization agglomeration,whereas the coverage of digital finance directly affects the high-quality economic development of underdeveloped regions.Based on these research findings,corresponding measures and recommendations are proposed:encouraging the transformation and upgrading of traditional financial services in underdeveloped areas towards digitalization;emphasizing industrial specialization agglomeration during the process of industry undertaking;and enhancing the coverage of digital finance in underdeveloped regions.

关 键 词：数字金融 产业专业化集聚 中介作用 经济高质量发展 

分 类 号：F124[经济管理—世界经济]