数字普惠金融对经济高质量发展的影响研究

本文构建了经济高质量发展评价指标体系,分析了数字普惠金融对经济高质量发展的影响机理,对我国30个省2011～2018年的面板数据进行了实证检验.实证结果证明,数字普惠金融是我国普惠金融发展的重要动力,能够有效提升金融服务配置效率,促进我国经济高质量发展,但存在区域差异.在城镇化水平较低的地区,数字普惠金融对经济高质量发展的促进作用更加显著.该研究建议,未来数字普惠金融的发展应当推行差异化的发展策略,进一步拓展金融服务的深度和广度,实现经济成果人人共享.

Research on the Impact of Digital Inclusive Financial Development on High-Quality Economic Development

. The evaluation index system of high-quality economic development was constructed, and the mechanism of digital inclusive finance is impact on high-quality economic development was analyzed. On this basis, the panel data of China''s 30 provinces from 2011 to 2018 were empirically tested. The empirical results show that Digital Inclusive Finance is an important driving force for the development of Inclusive Finance in China, which can effectively improve the allocation efficiency of financial services and promote high-quality economic development, but there are regional differences. In the areas with low urbanization level, digital finance plays a more significant role in promoting high-quality economic development. This study suggests that the development of digital finance in the future should carry out differentiated development strategies, further expand the depth and breadth of financial services, and realize the sharing of economic achievements for all.