| 摘要: |
| 基于2013—2020年我国30个省份的面板数据,实证分析数字普惠金融对共同富裕的影响及传导机制,并进一步对其影响效应的异质性进行研究,最后运用门槛模型检验了二者之间的非线性关系。结果表明:数字普惠金融对我国共同富裕水平具有正向促进作用,且经过一系列稳健性检验后结论依然显著；机制检验则表明融资约束在数字普惠金融与共同富裕的关系中发挥中介作用；异质性检验说明,共同富裕水平受数字普惠金融覆盖广度和使用深度两个维度的影响更为明显,中部和西部地区数字普惠金融的影响效应大于东部地区；数字普惠金融对共同富裕水平的促进作用存在双重门槛效应,其作用大小表现为先下降后上升。据此,提出加大数字普惠金融支持力度、加大数字化建设投入力度、创新金融产品和服务、提升居民基本金融素养等建议。 |
| 关键词: 数字普惠金融 共同富裕 系统GMM 门槛效应 |
| DOI：10.13216/j.cnki.upcjess.2023.03.0009 |
| 分类号:F063 |
| 基金项目:安徽省哲学社会科学规划项目(AHSKQ2021D159)；安徽省高校科研计划重大项目(2022AH040085) |
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| The Impact of Digital Inclusive Finance on Common Prosperity: Test Based on System GMM and Threshold Effect |
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QIAN Li1,LU Jian2,SHANG Ziyan3
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(1.School of Economics, Anhui University of Finance and Economics, Bengbu 233030, Anhui, China;2.School of Finance, Anhui University of Finance and Economics, Bengbu 233030, Anhui, China;3.School of Accounting, Anhui University of Finance and Economics, Bengbu 233030, Anhui, China)
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| Abstract: |
| Based on the panel data of 30 provinces in China from 2013 to 2020, this paper empirically analyzes the impact and transmission mechanism of digital inclusive finance on common prosperity, and further studies the heterogeneity of its impact. Finally, the threshold model is used to test the non-linear relationship between the above two. The results show that digital inclusive finance has a positive impact on the level of common prosperity, and the conclusion remains significant after a series of robustness tests. The mechanism test shows that financing constraints play a mediating role in the relationship between digital inclusive finance and common prosperity. The heterogeneity test indicates that the level of common prosperity is more significantly influenced by two dimensions, i.e., digital inclusive finance coverage and depth of use, and the impact of digital inclusive finance in the central and western regions is greater than that in the eastern regions. There is a dual threshold effect of digital inclusive finance on the level of common prosperity, whose value is first decreasing and then increasing. Accordingly, it is proposed to increase the support for digital inclusive finance, increase investment in digital construction, promote innovation in financial products and services, and improve basic financial literacy. |
| Key words: digital inclusive finance common prosperity system GMM threshold effect 英文编校:马志强 |
