数字普惠金融对资源型城市经济发展的影响及机制  

Impact and Mechanism of Digital Inclusive Finance on Economic Development of Resource-based Cities

作　　者：曹清峰 贾俊磊 冯锦泽 CAO Qingfeng;JIA Junlei;FENG Jinze

机构地区：[1]天津财经大学经济学院,天津300222 [2]兰州大学经济学院,甘肃兰州730000

出　　处：《学习与实践》2024年第5期66-77,共12页Study and Practice

基　　金：教育部人文社会科学研究项目“双循环视阈下我国制造业集聚动能再造与提升研究”(项目编号:23YJC790001)。

摘　　要：加快资源型城市经济发展,是促进区域协调发展的重要环节。基于2011-2020年中国115个资源型城市的面板数据,研究数字普惠金融对资源型城市经济发展水平的影响及机制发现:数字普惠金融显著提升了资源型城市经济发展水平,且该结论通过了一系列稳健性检验。数字普惠金融对资源型城市经济发展水平的提升效应对衰退型资源型城市更为显著,并主要通过数字普惠金融覆盖广度起作用。数字普惠金融通过推动产业结构升级、促进创业来带动就业、增强非国有经济对经济发展的带动效应三条路径,提升了资源型城市经济发展水平。因此,要充分利用数字普惠金融赋能资源型城市产业转型升级,促进创业以及非国有经济发展,形成经济增长新动能。Accelerating the economic development of resource-based cities is an important aspect of promoting regional coordinated development.Based on the panel data of 115 resource-based cities in China from 2011 to 2020,this study examines the impact and mechanism of digital inclusive finance on the economic development level of resource-based cities.The research finds that digital inclusive finance significantly promotes the economic development level of resource-based cities,and this conclusion also holds after robust tests.The promotion effect of digital inclusive finance on the economic development level of resource-based cities is more pronounced in declining resource-based cities and works mainly through the coverage breadth of digital inclusive finance.Digital inclusive finance primarily improves the economic development level of resource-based cities through three pathways:promoting industrial structural upgrading,fostering entrepreneurship for employment,and enhancing the driving effect of the non-state economy on economic development.Therefore,it is important for the resource-based cities to fully utilize the digital inclusive finance to empower the industrial upgrading,entrepreneurship,and the development of non-state economy,thus generating new driving forces for economic growth.

关 键 词：数字普惠金融 资源型城市 资源型城市转型 产业结构升级 

分 类 号：F832[经济管理—金融学]