数字普惠金融能否促进共同富裕?——基于金融抑制与金融排斥视角的实证检验  

Can Digital Financial Inclusion Promote Common Prosperity?-An Empirical Test from the Perspective of Financial Repression and Financial Exclusion

作　　者：潘海岚[1] 闫伟男 Pan Hailan;Yan Weinan(School of Economics,Yunnan Minzu University,Kunming 650500,Yunnan,China)

机构地区：[1]云南民族大学经济学院,云南昆明650500

出　　处：《征信》2024年第6期82-92,共11页Credit Reference

基　　金：国家社科基金西部项目(20XMZ088);2023年云南省哲学社会科学创新团队项目(2023CX05);云南省教育厅科学研究基金资助项目(2024Y446)。

摘　　要：数字普惠金融作为现代经济发展的润滑剂,对扎实推进共同富裕提供了新的机遇和路径。为探究数字普惠金融赋能共同富裕的内在机理,特选取2011—2021年省级面板数据,采用面板回归、中介效应检验、异质性检验等方法,探究数字普惠金融对共同富裕的影响效应及其作用机制。研究发现:第一,数字普惠金融在促进共同富裕方面发挥了显著的正向作用,此结论在经过一系列稳健性检验后依旧成立;第二,机制分析表明,数字普惠金融通过减轻金融抑制与金融排斥程度,有助于实现共同富裕,从而验证了“数字普惠金融→缓解金融抑制/金融排斥→促进共同富裕”这一传导机制;第三,异质性分析发现,数字普惠金融对共同富裕的作用效果存在区域异质性和“知识鸿沟”效应,并且不同区域的传导路径也存在差异。As a lubricant for modern economic development,digital inclusive finance provides new opportunities and paths for solidly promoting common prosperity.In order to explore the internal mechanism of digital inclusive finance empowering common prosperity,this paper selects provincial panel data from 2011 to 2021,and uses panel regression,mediation effect test,heterogeneity test and other methods to explore the impact of digital inclusive finance on common prosperity and its mechanism.The research shows that,first,digital inclusive finance has played a significant positive role in promoting common prosperity,and this conclusion is still valid after a series of robustness tests.Second,the mechanism analysis points out that digital inclusive finance can help achieve common prosperity by reducing the degree of financial repression and financial exclusion,thus verifying the transmission mechanism of“digital inclusive finance→alleviating financial repression/financial exclusion→promoting common prosperity”.Third,heterogeneity analysis shows that there is regional heterogeneity and“knowledge gap”effect on the effect of digital inclusive finance on common prosperity.

关 键 词：数字普惠金融 共同富裕 金融抑制 金融排斥 

分 类 号：F832[经济管理—金融学] F126F49