摘要
基于2011—2020年中国省际面板数据,利用空间杜宾模型检验数字普惠金融对省际创业水平的影响及作用机理。研究结果表明:数字普惠金融能够提升地区创业水平,且存在明显空间溢出效应。就不同维度而言,数字普惠金融的覆盖广度和数字化程度显著提升了地区创业水平,使用深度则不显著。就不同功能而言,数字普惠金融的支付功能和信贷功能显著提升了地区创业水平,且有较强空间溢出效应,保险功能则不显著。机制检验发现:数字普惠金融通过提升地区融资可得性和消费需求促进地区创业,在经济欠发达地区和距离杭州较近地区普惠性特征更加显著。
Based on the inter-provincial panel data of China from 2011 to 2020,this paper uses the spatial Dobbin model to test the influence and mechanism of digital inclusive finance on the inter-provincial entrepreneurial level.The results show that digital inclusive finance can improve the level of regional entrepreneurship,and there is obvious spatial spillover effect.In terms of different dimensions,the coverage and digitization of digital inclusive finance have significantly improved the level of regional entrepreneurship,but the depth of use is not significant.In terms of different functions,the payment function and credit function of digital inclusive finance have significantly improved the level of regional entrepreneurship,and have a strong spatial spillover effect,while the insurance function is not significant.The mechanism test indicates that digital inclusive finance can promote regional entrepreneurship by improving the availability of regional financing and consumer demand,and this effect is more significant in economically underdeveloped areas and areas closer to Hangzhou,showing strong characteristics of inclusiveness.
作者
张晓鹏
姜凌
王蜀凡
ZHANG Xiaopeng;JIANG Ling;WANG Shufan(School of Finance,Hunan University of Finance and Economics,Changsha 410205,China;Business School,Xiangtan University,Xiangtan 411105,China)
出处
《经济经纬》
北大核心
2023年第3期139-149,共11页
Economic Survey
基金
湖南省教育厅科学研究(创新平台开放基地)项目(20K022)
国家社会科学基金青年项目(21CJL017)。
关键词
数字普惠金融
创业
消费需求
融资可得性
空间溢出
空间差异
Digital Financial Inclusion
Entrepreneurship
Consumer Demand
Financing Availability
Spatial Spillover
Spatial Differences
