京津冀协同发展对沿线区域普惠金融数字化的影响效应研究
Studies on the Effect of Beijing-Tianjin-Hebei Collaborative Development on the Digitization of Inclusive Finance in the Region along the Route

京津冀协同发展政策的提出作为促进地区市场一体化的重要事件，其对沿线地区引进普惠金融数字化产生了重大影响。本文基于2011年~2017年全国省域面板数据，利用双重差分法(DID)模型实证检验了京津冀协同发展政策对沿线省域普惠金融数字化的政策效应。研究结果表明：京津冀协同发展政策倡议显著促进了沿线省域的普惠金融数字化发展，稳健性检验的结果表明结论稳健。因此京津冀协同发展政策沿线地区政府应积极出台相关支持性政策，并加强普惠金融数字化合作，国家也应加大相应的普惠金融数字化支持，同时注意加强金融监管，以良性推动普惠金融数字化发展水平的提高，最终促进地区经济乃至中国整体经济的发展。
As an important event to promote regional market integration, the proposed Beijing-Tianjin-Hebei coordinated development policy has had a great impact on the introduction of inclusive financial digitization in the regions along the route. Based on the national provincial panel data from 2011 to 2017, using the Difference in Difference (DID) model, this paper empirically tests the Bei-jing-Tianjin-Hebei collaborative development policy effect on the digitalization of inclusive finance in the provinces along the route. The results show that the Beijing-Tianjin-Hebei Coordinated De-velopment Policy Initiative has significantly promoted the digital development of inclusive finance in the provinces along the route, and the results of the robustness test show that the conclusions are sound. Therefore, the Beijing-Tianjin-Hebei coordinated development policy along the regional government should actively introduce relevant support policies, and strengthen inclusive financial digital cooperation, the state should also try to increase the related inclusive financial digital sup-port, while paying attention to strengthen financial supervision, with the intention of promoting the development of inclusive financial digitalization, and ultimately promoting the regional economy and china’s overall economic development.