文献类型：期刊文献

中文题名：数字普惠金融赋能区域协调发展:效应与机制

英文题名：Digital Inclusive Finance Enables Regional Coordinated Development:Effects and Mechanisms

作者：杨珍珍[1];徐敏[1]

机构：[1]广东海洋大学经济学院,广东湛江524088

年份：2023

卷号：39

期号：1

起止页码：40

中文期刊名：南方农村

外文期刊名：South China Rural Area

收录：国家哲学社会科学学术期刊数据库

基金：广东省哲学社会科学规划项目“数字普惠金融对广东省经济协调发展的影响效应及路径选择研究”(GD20CYJ28)。

语种：中文

中文关键词：数字普惠金融;区域协调发展;资本要素资源;城乡收入差距;动态面板模型

外文关键词：Digital Inclusive Finance;Regional Coordinated Development;Capital Element Resources;Urban-rural Income Gap;Dynamic Panel Model

中文摘要：广东省是区域发展不平衡的代表性省份,数字普惠金融对推动区域协调发展提供了新的选择。基于广东省2011—2020年市级面板数据,利用动态面板模型探究数字普惠金融对区域协调发展的影响效应和作用机制。结果发现:(1)数字普惠金融对区域协调发展存在显著促进作用,该结论在稳健性检验后依旧成立;(2)数字普惠金融对区域协调发展的促进作用存在结构异质性、区域异质性和网络覆盖异质性,即在覆盖广度、欠发达地区和网络覆盖低水平地区更明显;(3)资本要素资源提升效应和城乡收入差距缩小效应是数字普惠金融影响区域协调发展的重要传导机制。因此,须持续深化金融体系改革,以提升省际层面数字普惠金融发展水平;不断凸显数字普惠金融的使用深度与数字化程度,着力培育欠发达地区的数字普惠金融增长极,全面构建金融线上服务平台,以提升区域协调发展能力;发挥资本要素资源提升效应和城乡收入差距缩小效应,以保障数字普惠金融对区域协调发展的促进作用。

外文摘要：Guangdong Province is a representative province with unbalanced regional development. Digital inclusive finance provides a new choice for promoting regional coordinated development. Based on the municipal panel data of Guangdong Province from 2011 to 2020, the dynamic panel model is used to explore the effect and mechanism of digital inclusive finance on regional coordinated development. The results show that:(1) Digital inclusive finance has a significant role in promoting regional coordinated development, and this conclusion is still valid after the robustness test;(2) There are structural heterogeneity, regional heterogeneity and network coverage heterogeneity in the promotion of digital inclusive finance to regional coordinated development, that is, it is more obvious in the coverage, underdeveloped areas and areas with low network coverage;(3) The promotion effect of capital factor resources and the reduction effect of urban-rural income gap are the important transmission mechanism of the influence of digital inclusive finance on regional coordinated development.Therefore, we must continue to deepen the reform of the financial system to improve the development level of digital inclusive finance at the provincial level;Continuously highlight the depth of use and the degree of digitalization of digital inclusive finance, focus on cultivating the growth pole of digital inclusive finance in underdeveloped regions, and comprehensively build a financial online service platform to improve the ability of regional coordinated development;Give full play to the effect of capital factor resource upgrading and urban-rural income gap narrowing to ensure the promotion of digital inclusive finance for regional coordinated development.