数字普惠金融对共同富裕的影响研究
Research on the Impact of Digital Inclusive Finance on Common Prosperity

共同富裕是中国式现代化的重要特征，数字普惠金融是中国经济高质量发展的强大推力，探讨数字普惠金融推动共同富裕成为重要议题。本文首先探讨数字普惠金融促进共同富裕的理论机理，提出数字普惠金融不仅对共同富裕具有直接影响，还具有一系列间接影响，其中包括数字普惠金融对共同富裕影响的空间差异性、空间不均衡性及整体与局部的发展一致性。其次，通过机制检验的实证模型研究发现：数字普惠金融数字化水平对共同富裕具有单一门槛效应，应用深度对共同富裕具有双重门槛的间接促进作用。此外，不同地区数字普惠金融程度对共同富裕的促进作用还具有地域异质性。结合具体实践，对全国和长三角地区的发展一致性、区域之间的异质性和阶段性成效展开评价，最后，依据研究结论，对不同省域、全国与长三角地区的实施路径提出了针对性的建议。
Common prosperity is an important feature of Chinese modernization, and digital inclusive finance is a powerful driving force for the high-quality development of China’s economy. Discussing digital inclusive finance to promote common prosperity has become an important issue. This paper first discusses the theoretical mechanism of digital inclusive finance promoting common prosperity, and proposes that digital inclusive finance not only has a direct impact on common prosperity, but also has a series of indirect effects, including spatial difference, spatial imbalance and overall and local development consistency of the impact of digital inclusive finance on common prosperity. Secondly, through the empirical model research of mechanism test, it is found that the digital level of digital inclusive finance has a single threshold effect on common prosperity, and the application depth has a double threshold indirect promotion effect on common prosperity. In addition, the promotion effect of digital financial inclusion degree on common prosperity in different regions also has regional heterogeneity. Based on the specific practice, the development consistency, inter-regional heterogeneity and phased results of the whole country and the Yangtze River Delta region were evaluated. Finally, based on the research conclusions, the implementation path of different provinces, the whole country and the Yangtze River Delta region was put forward.