数字普惠金融对广西共同富裕的影响及机制研究  

Research on the Impact and Mechanism of Digital Inclusive Fi⁃nance on the Common Prosperity in Guangxi

作　　者：王熊 李旻 

机构地区：[1]大连民族大学经济管理学院 [2]大连民族大学国际商务学院

出　　处：《广西经济》2024年第6期85-96,共12页GUANGXI ECONOMY

基　　金：国家自然科学基金面上项目:农村随迁老人城市适应与差异化社会支持影响机理及效应研究(72073099)阶段成果;辽宁省社会科学界联合会辽宁省民族和宗教事务委员会联合课题:东北各民族交往交流交融的理论与实践研究(2023lsllhwtkt-07)阶段成果。

摘　　要：文章基于2011—2021年广西14个地级市的面板数据测度共同富裕水平,并通过基准回归模型和中介效应模型,实证研究了广西数字普惠金融发展与当地共同富裕之间的关系及其影响机制。研究结果表明,数字普惠金融的快速发展显著提升了广西的共同富裕水平,且对地区发展水平、共享水平及可持续水平均有显著推动作用。异质性分析表明,数字普惠金融在广西经济欠发达地区对共同富裕的促进作用更加明显。在2016年G20峰会之后,数字普惠金融对广西整体共同富裕水平的推动作用显著增强。中介效应分析表明,广西数字普惠金融能够通过缓解融资约束和促进居民消费增长来促进共同富裕。因此,建议加大农村金融基础设施建设和居民金融知识普及力度,提供差异化融资支持,创新金融消费激励措施和金融产品,并推动金融科技创新与国际合作。This article measures the level of common prosperity based on the panel data of 14 prefecture-level cities in Guangxi from 2011 to 2021,and empirically studies the relationship between the development of digital inclusive finance in Guangxi and local common prosperity through the benchmark regression model and the mediation effect model.influence mechanism.Research results show that the rapid development of digital inclusive finance has significantly improved the level of common prosperity in Guangxi,and has a significant role in promoting the level of regional development,sharing and sustainability.Heterogeneity analysis shows that digital inclusive finance has a more obvious role in promoting common prosperity in economically underdeveloped areas of Guangxi.And after the 2016 G20 Summit,the role of digital inclusive finance in promoting Guangxi's overall common prosperity has been significantly enhanced.The intermediary effect analysis shows that Guangxi's digital inclusive finance can promote common prosperity by easing financing constraints and promoting residents'consumption growth.Therefore,it is recommended to strengthen rural financial infrastructure construction and popularize financial knowledge among residents,provide differentiated financing support,innovate financial consumption incentives and financial products,and promote financial technology innovation and international cooperation in the post-epidemic era.

关 键 词：数字普惠金融 共同富裕 民族地区 融资约束 消费增长 

分 类 号：F832[经济管理—金融学]