数字普惠金融对包容性增长的影响:机制分析与实证检验
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引用本文:龙海明,王雪雯,陈一心.数字普惠金融对包容性增长的影响:机制分析与实证检验[J].财经理论与实践,2022,(6):2-9
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作者单位
龙海明,王雪雯,陈一心 (湖南大学 金融与统计学院湖南 长沙 410079) 
中文摘要:选取北京大学数字普惠金融指数,研究基于创新、创业路径的我国数字普惠金融对包容性增长的影响机制。通过实证检验发现,数字普惠金融不仅能直接促进包容性增长水平,而且可以通过创新、创业提升包容性增长质量。异质性分析表明,数字普惠金融对包容性增长的促进作用在东部地区、经济发达地区、金融发展水平较高地区和人力资本水平较高地区效果更好,数字普惠金融的促进作用与区域特征存在协同效应。
中文关键词:数字普惠金融  包容性增长  创新创业  中介效应
 
Research on the Impact of Digital Financial Inclusion on Inclusive Growth: Mechanism Analysis and Empirical Test
Abstract:Selecting the index of digital financial inclusion, which is the product of a joint project by the Institute of Digital Finance (at Peking University), this paper studies the impact of digital financial inclusion on inclusive growth in China, and further analyzes the impact mechanism based on innovation and entrepreneurship paths. It is found that digital financial inclusion can not only directly promote inclusive growth, but also enhance the level of inclusive growth through innovation and entrepreneurship. Heterogeneity analysis shows that the promotion effect of digital financial inclusion on inclusive growth is better in the eastern region, economically developed regions, regions with higher levels of financial development and regions with higher levels of human capital. There is a synergistic effect between the promotion effect of digital inclusive finance and regional characteristics.
keywords:digital financial inclusion  inclusive growth  innovation and entrepreneurship  mediation effect
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