数字普惠金融助力共同富裕:路径非线性及区域异质性研究  

Digital Inclusive Finance’s Role in Promoting Common Prosperity:Nonlinear Pathways and Regional Heterogeneity

作　　者：黄华一 李创亮 HUANG Hua-yi;LI Chuang-liang(School of Finance,Lanzhou University of Finance and Economics,Lanzhou 730030,China)

机构地区：[1]兰州财经大学金融学院,兰州730030

出　　处：《重庆工商大学学报（社会科学版）》2024年第6期101-118,共18页Journal of Chongqing Technology and Business University：Social Science Edition

基　　金：甘肃省哲学社会科学规划项目(2021YB071)“区域金融风险防控指标构建与应用研究——以甘肃为例”;甘肃省教育厅高校教师创新基金项目(2023A-066)“金融供给侧结构性改革助力乡村产业高质量发展研究”;兰州财经大学丝路研究院重点项目(JYYZ201904)“甘肃省金融风险防范对策研究”。

摘　　要：数字普惠金融通过创业活动、居民消费和技术创新等中介促进共同富裕,但在地域间存在异质性。研究发现:在东部地区,创业活动、居民消费和技术创新的中介效应均显著,而中部和西部地区只有创业活动和居民消费发挥了部分中介效应,技术创新的中介效应并不显著;同时,三个中介中,居民消费的中介作用最大。此外,不论是全国还是东中西部各地区,数字普惠金融在助力共同富裕的过程中均呈现“边际效应”递增的非线性特征。Digital inclusive finance can promote common prosperity through intermediaries such as entrepreneurial activities,residential consumption,and technological innovation,but there is heterogeneity among regions.The results show that in the eastern region,the mediating effects of entrepreneurial activities,residential consumption,and technological innovation are all significant,while in the central and western regions,only entrepreneurial activities and residential consumption play a partial mediating effect,and the mediating effect of technological innovation is not insignificant.At the same time,among these three intermediaries,the intermediary role of residential consumption is the largest.Furthermore,whether nationwide or in the Eastern,Central,and Western regions,the process of digital inclusive finance promoting common prosperity exhibits a nonlinear characteristic of increasing“marginal effects”.

关 键 词：数字普惠金融 共同富裕 创业活动 居民消费 技术创新 

分 类 号：F49[经济管理—产业经济] F832F126