数字普惠金融发展对社会养老服务机构供给的影响——基于省级面板数据的实证分析  

The Impact of the Development of Digital Inclusive Finance on the Supply of Social Elderly Care Service Institutions——An Empirical Analysis based on Provincial Panel Data

作　　者：熊劼[1,2] 黄欣 XIONG Jie;HUANG Xin

机构地区：[1]湖北经济学院金融学院 [2]湖北经济学院武汉区域金融发展研究院,武汉430205 [3]深圳市蓝禾科技有限公司,深圳518109

出　　处：《北方论丛》2023年第6期83-92,共10页The Northern Forum

基　　金：国家社会科学基金一般项目“宏观审慎监管下银行风险承担与货币政策有效性研究”(18BJY244)。

摘　　要：人口老龄化背景下,我国社会养老服务机构的融资问题日益突出,而数字普惠金融的发展为社会养老服务机构的融资提供了便利。采用我国31个省份2014—2021年养老机构的面板数据,发现数字普惠金融的发展对于社会养老服务机构供给具有显著的正向效应,数字普惠金融促进了社会养老服务机构的供给。同时,在引入政府政策干预这一控制变量之后,发现社会养老服务机构与政府政策干预呈负相关关系。研究结论为数字普惠金融发展影响社会养老的机制提供了新的证据,在养老产业政策方面也具有重要的启示。Under the background of population aging,the financing problem of social pension service institutions in China has become increasingly prominent.financing problems of social pension service organizations become increasingly prominent,and the development of digital inclusive finance provides convenience for its financing.Based on panel data collected from pension institutions across 31 provinces from 2014 to 2021,this paper finds that the development of digital inclusive finance has a significant positive effect on the supply of social pension service institutions,and digital inclusive finance promotes the supply of social pension service institutions.At the same time,after introducing a control variable of government policy intervention,it is found that there is a negative correlation between social pension service institutions and government policy intervention.The research conclusion of this paper provides new evidence for the influence of the development of digital inclusive finance on the mechanism of social pension,and also has important implications for the policy of the elderly care industry.

关 键 词：数字普惠金融 养老机构融资 养老负担 

分 类 号：D66[政治法律—政治学]