数字普惠金融、新质生产力与城乡融合发展  

Digital Inclusive Finance,New Quality Productivity and Integrated Development of Urban and Rural Areas

作　　者：庞洪伟[1] 杨瑶 巩艳红[2] Pang Hongwei;Yang Yao;Gong Yanhong(School of Economics and Management,Tibet University,Lhasa 850000,China;School of Finance and Economics,Tibet University,Lhasa 850000,China)

机构地区：[1]西藏大学经济与管理学院,拉萨850000 [2]西藏大学财经学院,拉萨850000

出　　处：《统计与决策》2024年第19期24-30,共7页Statistics & Decision

基　　金：国家社会科学基金一般项目(21BMZ156)。

摘　　要：数字普惠金融为培育和发展新质生产力提供了金融基础,也为城乡融合发展提供了新动能。文章运用中国30个省份2011—2022年的面板数据,从新质生产力视角,研究了数字普惠金融对城乡融合发展的影响与作用机制。研究发现:(1)数字普惠金融能够显著促进城乡融合发展;(2)数字普惠金融可以通过提升新质生产力来促进城乡融合发展;(3)数字普惠金融对城乡融合发展的促进作用受到新质生产力和自身的门槛作用的影响,并且这种影响呈现边际效应递增的特征;(4)数字普惠金融对城乡融合发展的影响在高经济发展水平、低传统金融发展水平和高互联网发展水平省份更明显。Digital inclusive finance provides a financial foundation for cultivating and developing new quality productivity,and also provides a new driving force for the integrated development of urban and rural areas.This paper utilizes the panel data of 30 provinces in China from 2011 to 2022 to examine the effects and mechanisms of digital inclusive finance on the integrated de-velopment of urban and rural areas from the perspective of new quality productivity.The research findings go as the following:(1)Digital inclusive finance significantly enhances the integrated development of urban and rural areas.(2)Digital inclusive finance promotes the integrated development of urban and rural areas by improving new quality productivity.(3)The promotion effect of digital inclusive finance on urban-rural integration is influenced by the new quality productivity and its own threshold effect,and that this effect shows the characteristics of increasing marginal effect.(4)The impact of digital inclusive finance on urban-rural in-tegrated development is more obvious in provinces with high economic development level,low traditional financial development level and high Internet development level.

关 键 词：数字普惠金融 城乡融合发展 新质生产力 中介效应 门槛效应 

分 类 号：F49[经济管理—产业经济] F832F124