摘要
近年来,中国数字金融飞速发展并显著促进了高质量发展,但是数字金融的发展仍然受到“数字鸿沟”的制约。基于2011—2019年的省级面板数据分析了数字金融对高质量发展的影响效应以及基于数字鸿沟视角的调节机制。研究表明:数字金融及其三个维度对高质量发展呈现显著的正向影响,以上结论在考虑内生性及稳健性检验之后仍然成立;地区和结构异质性分析结果表明数字金融对高质量发展的影响在中西部地区、经济发展水平和互联网普及率低的地区更为显著;从数字鸿沟的视角分析调节机制,数字鸿沟在数字金融对高质量发展的影响中起到显著的调节作用,其中接入鸿沟起到抑制调节作用,而使用鸿沟和能力鸿沟则起到强化调节作用。研究结果为数字金融赋能高质量发展政策的制定以及避免数字金融中的数字鸿沟问题提供决策参考。
Digital finance have developed fast in China recent years and improved significantly high-quality development,but its development is affected by digital divide.Based on provincial panel data from 2011 to 2019,this paper analyzes the influence effect and moderator mechanism of digital finance on high-quality development based on the perspective of digital divide.The results show that digital finance and its three dimensions can significantly promote high-quality development.The conclusion still holds after considering endogeneity and robustness tests.The analysis of regional and structural heterogeneity suggests the impact of digital finance is more significant in middle and west,and in the areas with lower economy level and lower internet penetration rate.From the perspective of digital divide,digital divide plays a significant moderating role on the impact of digital finance on high-quality development;digital access gap has a restraining moderating effect,and the digital usage gap and capability gap have an enhanced moderating effect.This paper provides new perspective for digital finance and high-quality economic development,on the other hand,it can provide policy reference for the policies that improve high-quality development and avoid digital divide.
作者
沈红丽
SHEN Hong-li(School of Economics,Tianjin University of Commerce,Tianjin 300134,China)
出处
《统计与信息论坛》
北大核心
2023年第4期103-113,共11页
Journal of Statistics and Information
基金
全国统计科学研究项目“数字金融对高质量发展的效应评价与中介机制研究”(2021LY049)。
关键词
数字金融
高质量发展
数字鸿沟
影响效应
调节机制
digital finance
high-quality development
digital divide
influence effect
moderator mechanism
