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作 者:徐良志 李停[1] 雷勋平[1] 张三宝[1] XU Liang-zhi;LI Ting;LEI Xun-ping;ZHANG San-bao(Department of Teaching Affairs,Tongling University,Tongling 244000,China)
出 处:《榆林学院学报》2023年第5期105-111,共7页Journal of Yulin University
基 金:安徽省哲学社会科学规划项目(AHSKY2022D083)。
摘 要:随着数字化时代的到来,异军突起的数字普惠金融创新对小微企业融资起到“雪中送炭”的效用。以2011~2020年31个省市区为研究对象,通过空间静态面板双对数杜宾模型,采用邻近空间和经济空间作为权重,实证分析数字普惠金融创新对小微企业融资的异质性。研究发现,数字普惠金融创新对小微企业融资经济发展存在显著相关性;数字普惠金融创新对周边区域小微企业融资具有“虹吸效应”;空间上金融服务深度对小微企业融资存在“示范效应”。因此,建议充分打通融资“地理穿透性”,差异化建立“容错型”数字普惠金融产品,扭转“虹吸效应”局面,提升整体金融韧性,使各地小微企业融资“脱实向虚”。With the arrival of the digital era,the emerging digital inclusive financial innovation has played a“timely help”role in the financing of small and micro enterprises.Taking 31 provinces and cities from 2011 to 2020 as the research object,this paper empirically analyzes the heterogeneity of digital inclusive financial innovation on the financing of small and micro enterprises through the spatial static panel double logarithm of Dubin model,using adjacent space and economic space as weights,the research finds that digital inclusive financial innovation has a significant correlation with the financing economic development of small and micro enterprises;digital inclusive financial innovation has a“siphon effect”on the financing of small and micro enterprises in surrounding regions;the depth of financial services in space has a“demonstration effect”on the financing of small and micro enterprises.Therefore,it is recommended to fully leverage the“geographical penetration”of financing,establish differentiated“fault-tolerant”digital inclusive financial products,enhance the overall level of financial resilience,reverse the“siphon effect”situation,and enable small and micro enterprises in various regions to finance“from reality to emptiness”.
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