数字普惠金融对共同富裕的影响研究——来自地级市的经验证据  

Research on the Impact of Digital Financial Inclusion on Common Prosperity——Empirical Evidence from Prefecture-level Cities

作　　者：明雷 马寅虎[2] 张鑫然 刘哲 Ming Lei;Ma Yinhu;Zhang Xinran;Liu Zhe

机构地区：[1]中国人民大学经济学院 [2]湖南大学金融与统计学院 [3]中国人民银行河南省分行 [4]中国建设银行深圳市分行

出　　处：《投资研究》2023年第10期44-61,共18页Review of Investment Studies

基　　金：国家社科基金重大项目(21ZDA114);国家自科基金青年项目(71903051);中国博士后科学基金项目(2022M713448,2023T160707)的支持。

摘　　要：本文利用2013—2020年我国269个地级市的面板数据,从共同富裕具体内涵出发,将其分解为富裕度和共享度进行测算。然后使用计量模型实证检验了数字普惠金融对共同富裕的影响和传导机制,研究结果表明:数字普惠金融能够显著促进各市共同富裕水平的提高,且创业活跃度在其中发挥着中介作用。进一步研究发现,共享度和富裕度本身存在相互促进作用。数字普惠金融对共同富裕的作用受城市特质的影响,具有明显的马太效应。因此,建议加强数字普惠金融建设,采取多种措施鼓励创新创业,“因地施策”制定差异化发展战略和注重提升居民素养。This paper selects panel data of 269 prefecture-level cities from 2013 to 2020,starts from the specific connotation of common prosperity,and decomposes it into richness and sharing degree for calculation.Then,it empirically tests the influence and transmission mechanism of digital inclusion finance on common prosperity.The results show that digital inclusion finance can significantly promote the improvement of common prosperity of each city,and entrepreneurial activity plays an intermediary role in it.Further research shows that sharing degree and affluence have mutual promoting effect,and the effect of digital inclusive finance on common affluence is affected by the characteristics of cities which has obvious Matthew effect.In this regard,the construction of digital inclusive finance should be strengthened,innovation and entrepreneurship should be encouraged,and differentiated development strategies should be formulated according to the geographical advantages of different cities.

关 键 词：数字普惠金融 共同富裕 创业活跃度 

分 类 号：F49[经济管理—产业经济] F832F126