数字普惠金融对西部经济增长的影响  

Impact of Digital Inclusive Finance on Economic Growth in the Western Region

作　　者：张海燕 田孟乡 ZHANG Haiyan;TIAN Mengxiang(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：《长沙大学学报》2024年第1期60-67,共8页Journal of Changsha University

基　　金：国家社会科学基金项目“基于分享经济的农村普惠金融发展及扶持政策研究”,编号:17BJY120。

摘　　要：利用2011—2020年西部地区12个省区市的面板数据,从数字普惠金融指数与其子维度支付、保险、信贷、数字化程度五个方面研究数字普惠金融对西部地区经济增长的影响。结果表明:数字普惠金融及各子维度指标对西部地区经济增长均具有正向积极作用;利用R2分解4个子维度指标对西部经济增长的影响的相对重要程度,从大到小排序为信贷、支付、保险、数字化程度;相比于西南地区,数字普惠金融对西北地区经济增长的显著正向作用更强;数字普惠金融通过促进消费升级、减少贫困来促进西部地区的经济增长。Using panel data from 12 provinces,autonomous regions,and cities in the western region from 2011 to 2020,this study investigates the impact of digital inclusive finance on the economic growth in the western region from five aspects of the total index of digital inclusive finance and its sub dimensions of payment,insurance,loan,and digitalization.The results indicate that digital inclusive finance and various sub dimensional indicators have a positive impact on the economic growth in the western region.Using R2 to decompose the relative importance of the impact of four sub dimensional indicators on economic growth in the western region,it can be ranked from biggest to smallest as loan,payment,insurance,degree of digitization.Compared to the southwest,the significant positive effect of digital inclusive finance on economic growth in the northwest is stronger.Digital inclusive finance promotes economic growth in the western region by promoting consumption upgrading and reducing poverty.

关 键 词：数字普惠金融 经济增长 减贫 消费升级 区域经济协调发展 

分 类 号：F832[经济管理—金融学]