文献类型：期刊文献

中文题名：数字普惠金融对我国零售业区域差距的影响

英文题名：Influence of Digital Inclusive Finance on Regional Disparity of Retail Trade in China

作者：张子言[1];毛伟[1]

机构：[1]广东海洋大学经济学院,广东湛江524003

年份：2021

卷号：23

期号：3

起止页码：46

中文期刊名：辽东学院学报（社会科学版）

外文期刊名：Journal of Liaodong University：Social Science Edition

收录：国家哲学社会科学学术期刊数据库

基金：广东海洋大学人文社科科研项目(E15174);广东海洋大学创新强校工程项目(GDOU2016050218);广东省教育厅创新强校特色创新项目(2016WTSCX047)。

语种：中文

中文关键词：数字普惠金融;零售业;区域经济;金融知识;金融创新

外文关键词：digital inclusive finance;retail trade;regional economy;financial knowledge popularization;financial innovation

中文摘要：基于2011—2018年的31个省、自治区、直辖市的面板数据,采用面板数据回归模型探究数字普惠金融能否缩小零售业的区域差距。结果表明:数字普惠金融对零售业的发展具有促进作用,其中对区域零售业的促进作用表现为东部大于中部、中部大于西部,因此目前数字普惠金融的发展不仅无法缩小零售业的区域差距,反而会拉大中东部与西部之间的差距。产生这一现象的原因包括西部经济基础薄弱、基础设施差和消费观念保守等因素。为促进数字普惠金融辅助零售业协调发展,应做到:加强数字普惠金融创新和金融知识普及,提供差异化服务,扩大金融服务的受众;加快西部地区数字普惠金融基础的设施建设,缩小普惠金融发展的地区差距;向老年人群体延伸数字普惠金融服务,释放老年人的消费潜力。

外文摘要：Based on the panel data of 31 provinces,autonomous regions and municipalities from 2011 to2018,the author uses panel data regression model to explore whether digital inclusive finance can narrow the regional gap of retail industry. The results show that digital inclusive finance plays a role in promoting the development of retail industry. The promotion magnitude on regional retail industry is successively the eastern,central and western regions. Therefore,the current development of digital inclusive finance cannot narrow the regional gap of retail industry,but will widen the gap between the central and eastern regions as well as the western regions. The causes of this phenomenon include the weak economic base,poor infrastructure and conservative consumption concepts in the west. In order to promote the coordinated development of digital inclusive finance and retail industry,we should strengthen the innovation of digital inclusive finance and the popularization of financial knowledge,provide differentiated services and expand the audience of financial services,speed up the construction of digital inclusive financial infrastructure in the western region,alleviate the regional gap of inclusive financial development,extending digital inclusive financial services to the elderly to release their consumption potential.