数字普惠金融对江苏省共同富裕的影响  

The Impact of Digital Financial Inclusion on Common Prosperity in Jiangsu Province

作　　者：吴敏[1] 蔡杏筠 WU Min;CAI Xingyun(Jinling Institute of Technology,Nanjing 211169,China)

机构地区：[1]金陵科技学院商学院,江苏南京211169

出　　处：《金陵科技学院学报（社会科学版）》2024年第4期22-30,共9页Journal of Jinling Institute of Technology(Social Sciences Edition)

基　　金：江苏省高等教育教改研究课题“教育数字化转型驱动应用型本科高质量人才培养模式的创新和实践研究”(2023JSJG321)。

摘　　要：探究数字普惠金融对江苏省共同富裕的影响,对于全面推进中国式现代化江苏新实践具有重要意义。选取2013—2022年江苏省13个地级市相关数据,运用熵值法测算各地级市的共同富裕指数,并构建模型实证检验数字普惠金融对江苏省共同富裕的影响。研究发现:数字普惠金融及三个子维度均对江苏省共同富裕有显著的正向影响;区域异质性分析发现,苏南、苏中、苏北三个区域的数字普惠金融均能显著推动共同富裕,但在不同区域其作用大小存在差异;中介效应分析发现,数字普惠金融通过缓解融资约束、促进技术创新途径间接推动共同富裕。根据研究结果,建议江苏省全面深化数字普惠金融的发展,并结合区域特点实施差异化发展策略;金融机构应利用数字技术优势缓解融资约束,促进技术创新,在高质量发展中扎实推动共同富裕。Exploring the impact of digital financial inclusion on common prosperity in Jiangsu province is of great significance to comprehensively promote the new practice of Chinese-style modernization in Jiangsu.The article selects relevant data from 13 prefecture-level cities of Jiangsu from 2013 to 2022,uses the entropy method to measure the common prosperity index of each prefecture-level city,and builds a model to empirically test the impact of digital financial inclusion on the common prosperity in Jiangsu.According to the research,digital financial inclusion and its three sub-dimensions have a significant positive impact on common prosperity;Regional heterogeneity analysis indicates that digital financial inclusion in the three regions of in southern,central,and northern Jiangsu can significantly promote common prosperity,but the magnitude of the role of different regions varies;And the mediation effect analysis concludes that digital financial inclusion indirectly promotes common prosperity by alleviating financing constraints and encouraging technological innovation.Based on the results of the research,it is recommended for Jiangsu to comprehensively deepen the development of digital financial inclusion and implement differentiated strategies that take into account the unique features of each region in Jiangsu;Financial institutions should take advantage of digital technology to alleviate financing constraints and promote technological innovation in order to solidly promote common prosperity in high-quality development.

关 键 词：数字普惠金融 共同富裕 熵值法 中介效应 江苏省 

分 类 号：F832[经济管理—金融学]