数字普惠金融对绿色经济发展水平的影响研究  

Study on the Impact of Digital Inclusive Finance on the Level of Green Economy Development

作　　者：安国俊[1] 黄世晨 An Guojun;Huang Shichen

机构地区：[1]中国社会科学院金融研究所,北京100710 [2]北京金隅物业管理有限责任公司,北京100052

出　　处：《金融理论与实践》2025年第1期35-44,共10页Financial Theory and Practice

摘　　要：随着科技的飞速发展,数字普惠金融在我国加快绿色经济发展方式转型的进程中,带来了许多创新和机遇。基于2011—2022年30个省区市的面板数据,构建个体固定效应模型和中介效应模型,并开展实证分析,检验数字普惠金融对绿色经济发展水平的影响机制。研究发现,数字普惠金融可以显著促进绿色经济发展水平的提升。进一步分析表明,数字普惠金融可以通过推动绿色技术创新推动绿色经济的发展。研究结论为促进数字普惠金融与绿色金融的协调发展、促进绿色经济可持续发展等相关政策与机制创新提供理论依据和参考建议。With the rapid development of technology,digital inclusive finance has brought numerous innovations and opportunities in accelerating the transformation of green economic development in our country.Based on panel data from 30 provinces nationwide from 2011 to 2022,this study constructs individual fixed effect models and mediation effect models to conduct empirical analysis,examining the impact mechanism of digital inclusive finance on the level of green economic development.The research findings indicate that digital inclusive finance significantly promotes the enhancement of the green economic development level.Further analysis reveals that digital inclusive finance can further advance green economic development by driving green technological innovation.The conclusions of this research provide a theoretical basis and reference suggestions for promoting the coordinated development of digital inclusive finance and green finance,as well as for the sustainable development of the green economy.

关 键 词：数字普惠金融 绿色经济发展 绿色技术创新 异质性 

分 类 号：F832[经济管理—金融学]