摘要
本文通过使用SBM方向距离函数、空间面板回归和QAP分析,探究了2013—2021年我国数字普惠金融发展的经济效能、动力和空间差异,并融合三者研究结果综合分析如何实现社会福利改进。研究结论表明,我国数字普惠金融发展水平处于安全范围内,有利于提升金融服务实体经济效率,促进实体经济繁荣;经济发展、外商投资与对外投资增加以及金融科技的升级显著促进了我国数字普惠金融的发展,而使用能力和地方政府过度的财政干预则成为重要的阻碍因素;我国数字普惠金融发展空间差异主要受到地区间经济发展水平、居民收入和政府财政干预力度的地区差异影响,金融开放程度、三级数字鸿沟以及市场与投资环境的地区差异则是次要影响因素。遵循“效率优先兼顾公平”的普惠金融发展观,应注重地区经济协同发展,优化内外部投资环境,减少政府过度财政干预,广泛发展金融科技。
This paper explores the economic efficiency,motivation and spatial differences of the development of digital inclusive finance in China from 2013 to 2021 by using the SBM directional distance function,spatial panel regression and QAP analysis,and comprehensively analyzes how to achieve social welfare improvement by integrating the research results of the three studies.The conclusion of the study shows that the development level of digital inclusive finance in China is within a safe range,which is conducive to improving the efficiency of financial services and promoting the prosperity of the real economy;economic development,the increase of foreign investment and foreign investment,and the upgrading of financial technology have significantly promoted the development of digital inclusive finance in China,while the ability to use and excessive fiscal intervention by local governments have become important hindrances;the spatial differences in the development of digital inclusive finance in China are mainly affected by the regional differences in the level of economic development,residents’income and government financial intervention,while the degree of financial openness,the three-level digital divide,and the regional differences in the market and investment environment are secondary influencing factors.In order to follow the inclusive financial development concept of“efficiency first,fairness first”,we should pay attention to the coordinated development of regional economy,optimize the internal and external investment environment,reduce excessive government financial intervention,and extensively develop financial technology.
作者
胡超凡
陈柳钦
Hu Chaofan;Chen Liuqin
出处
《全球化》
2024年第2期113-125,136,共14页
Globalization
