数字金融与共同富裕:机制分析与空间溢出效应  

Digital Finance and Common Prosperity:Mechanism Analysis and Spatial Spillover Effects

作　　者：谭诗睿 黄应绘[1] TAN Shirui;HUANG Yinghui(School of Mathematics and Statistics,Chongqing Technology and Business University)

机构地区：[1]重庆工商大学数学与统计学院

出　　处：《金融经济》2025年第1期62-75,共14页Finance Economy

基　　金：重庆市社会科学规划重点项目“成渝地区双城经济圈金融协同发展研究”(2021NDZD06);重庆市教育委员会人文社会科学重点项目“提升乡村公共服务水平促进城乡融合发展”(22SKGH195)。

摘　　要：本文基于我国30个省份2011—2022年的面板数据,构建共同富裕综合评价指标体系,运用多种模型实证检验了数字金融对共同富裕的影响和作用机制,并对共同富裕的时空演变特征与空间相关性进行了分析。研究发现,我国各省份数字金融和共同富裕存在明显的区域差异,且这种差异随着时间的推移不断扩大;数字金融对共同富裕有显著的促进作用,且呈现非线性的影响,数字金融的促进作用随着数字金融水平、科技创新水平及经济发展水平的提高而增强;数字金融对共同富裕的影响具有空间溢出效应,但在不同发达程度的区域之间存在差异;科技创新和经济发展在数字金融对共同富裕的影响中起到中介作用。对此,本文提出了针对性的政策建议,旨在为我国实现共同富裕提供有益的理论支持和实践指导。Based on panel data from 30 provinces in China from 2011 to 2022,this study constructs a comprehensive evaluation index system for common prosperity and employs multiple models to empirically examine the impact and mechanisms of digital finance on common prosperity.Additionally,it analyzes the spatiotemporal evolution characteristics and spatial correlation of common prosperity.The research findings reveal the following:First,there are significant regional disparities in the levels of digital finance and common prosperity across provinces in China,and these disparities have been widening over time.Second,digital finance significantly promotes common prosperity,and this positive is non-linear,which strengthens with the improvement of digital finance levels,technological innovation capabilities,and economic development levels.Third,the impact of digital finance on common prosperity exhibits spatial spillover effects,but these effects vary across regions with different levels of development.Fourth,technological innovation and economic development play mediating roles in the relationship between digital finance and common prosperity.In light of these findings,this study proposes targeted policy recommendations,aiming to provide valuable theoretical support and practical guidance for China's pursuit of common prosperity.

关 键 词：数字金融 共同富裕 空间溢出效应 科技创新 经济发展水平 

分 类 号：F832[经济管理—金融学]