数字普惠金融对中国金融稳定性的实证分析  

An Empirical Analysis of Digital Inclusive Finance on China's Financial Stability

作　　者：余继超 Jichao Yu(College of Economics&Management,China Jiliang University,310018,China)

机构地区：[1]中国计量大学,浙江杭州310018

出　　处：《经济管理学刊（中英文版）》2024年第1期110-119,共10页Economic Management Journal

摘　　要：为应对金融系统性风险,全球的金融监管机构均在研究侦测金融稳定性的方法以及增强金融稳定性的政策工具。中国处在新时代百年未有之大变局中,高质量发展对金融稳定性提出了更高要求,同时为促进共同富裕、提升金融服务质量的数字普惠金融也在不断推进中。本文立足中国具体国情,收集2020年一季度后15期季度数据,整理为面板数据,以熵值法绘制新冠疫情以来中国特色的金融稳定性指数并进行拟合分析,运用spearman相关系数研究数字普惠金融指数对金融稳定性影响。实证结果表明,中国的数字普惠金融发展与金融稳定性有双向促进作用。To address systemic financial risks,global financial regulatory agencies are researching methods for detecting financial stability and policy tools to enhance financial stability.China is undergoing unprecedented changes in the new era,and high-quality development has put forward higher requirements for financial stability.At the same time,digital inclusive finance is constantly being promoted to promote common prosperity and improve the quality of financial services.Based on China's specific national conditions,this paper collects 15 quarterly data after the first quarter of 2020,collates them into panel data,draws financial stability index with Chinese characteristics since the COVID-19 epidemic with entropy method and performs fitting analysis,and uses spearman correlation coefficient to study the impact of digital inclusive financial index on financial stability.The empirical results indicate that the development of digital inclusive finance in China has a two-way promoting effect on financial stability.

关 键 词：金融稳定性 数字普惠金融 熵值法 

分 类 号：F83[经济管理—金融学]