摘要
推进数字普惠金融,不仅有利于经济增长,而且能支持实体经济的发展和共同富裕的实现。为探究数字普惠金融为何能促进地区经济增长,在文献综述的基础上,构建了地区产业结构高级化为中介变量的数字普惠金融对地区经济增长影响的实证模型。以2011至2019年间浙江省11个地级市的面板数据为研究样本,利用多元回归方法进行了实证研究。实证研究表明:数字普惠金融的发展能促进地区经济增长,且这一效应是通过地区产业结构高级化的路径实现的。与传统金融相比,数字普惠金融的发展更能促进地区经济增长。
Promoting digital financial inclusion is not only conducive to economic growth,but also supports the development of the real economy and the realization of common prosperity.In order to explore the reasons why digital financial inclusion promotes regional economic growth,based on the literature review,an empirical model of the impact of digital financial inclusion on regional economic growth with the upgrading of regional industrial structure as an intermediary variable is built.Based on the panel data of 11 prefecture-level cities in Zhejiang Province from 2011 to 2019,an empirical study was conducted using multiple regression method.The empirical research shows that the development of digitalfinancial inclusion can promote regional economic growth,and this effect is realized through the path of regional industrial structure upgrading.Compared with traditional finance,the development of digital financial inclusion is more conducive to regional economic growth.
作者
郑健壮
虞林震
张鲁光
ZHENG Jianzhuang;YU Linzhen;ZHANG Luguang
出处
《商业经济》
2023年第3期157-160,共4页
Business & Economy
基金
国家社会科学基金项目:新形势下我国制造业集群数字化转型的典型路径与对策研究(20BJY100)
浙大城市学院数字金融研究院资助。
关键词
数字普惠金融
地区经济增长
产业结构高级化
浙江省
digital financial inclusion
regional economic growth
advanced industrial structure
Zhejiang Province
