| 数字普惠金融与贫困地区经济增长：效应检验与机制分析 |
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| 引用本文：任碧云，张荧天.数字普惠金融与贫困地区经济增长：效应检验与机制分析[J].财经理论与实践,2024,(6):2-9 |
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| 中文摘要:基于两部门经济增长理论，运用2014—2020年268个国家级贫困县的面板数据，考察在产业结构服务化的中国，数字普惠金融对贫困地区经济增长的影响及作用机制。结果发现，数字普惠金融不仅直接促进了贫困地区经济增长，还能通过人力资本渠道和空间溢出机制实现间接发力；数字普惠金融的经济增长效应和人力资本的中介效应在互联网应用高水平和财政支出低水平地区更显著。鉴于此，应有侧重并分区域地完善数字基础设施建设、加大教育投入力度、实施灵活适度的财政支出政策，助力数字普惠金融赋能贫困地区的经济增长。 |
| 中文关键词:普惠金融 数字技术 国家级贫困县 经济增长 |
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| Digital Financial Inclusion and Economic Growth in Poor Areas: Effect Testing and Mechanism Analysis |
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| Abstract:Based on the two-sector economic growth theory, this paper uses the panel data of 268 national-level poor counties from 2014 to 2020 to investigate the impact and mechanism of digital financial inclusion on the economic growth of poor areas in China, where the industrial structure is service-oriented. The results show that digital financial inclusion not only directly promotes economic growth in poor areas, but also indirectly exerts power through human capital channel mechanism and spatial spillover mechanism. The economic growth effect of digital inclusive finance and the intermediary effect of human capital are more significant in areas with high levels of Internet application and low levels of fiscal expenditure. In view of this, we should focus on improving digital infrastructure construction, increasing investment in education, and implementing flexible and appropriate fiscal expenditure policies to help digital financial inclusion enable economic growth in poor areas. |
| keywords:inclusive finance digital technology national-level poverty-stricken county economic growth |
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