数字普惠金融赋能区域经济增长的影响研究
Study on the Impact of Digital Inclusive Finance on Regional Economic Growth

近年来，随着我国经济的持续发展和金融市场的不断完善，普惠金融逐渐成为推动经济增长的重要手段。本文以中国31个省份的宏观经济数据为基础，研究普惠金融发展对经济增长的影响及其区域异质性。通过构建面板数据回归模型，并进行稳健性和异质性检验，实证结果表明，普惠金融在全国范围内对经济发展具有显著的正向促进作用。普惠金融在中国不同地区的经济发展中的作用存在显著差异，中部地区因经济均衡、基础设施适中及较高的技术接受度，推动效果最强。东部和西部地区分别因市场饱和和基础设施落后限制了普惠金融的增量效应和渗透力。基于以上分析，本文提出加强政策支持、加大金融创新力度、完善多层次普惠金融体系、强化数字普惠金融建设等政策建议，以进一步优化普惠金融服务，提高金融资源配置效率，推动我国经济的包容性增长。
In recent years, with the continuous development of China’s economy and the continuous improvement of the financial market, inclusive finance has gradually become an important means to promote economic growth. Based on macroeconomic data from 31 provinces in China, this paper studies the impact of financial inclusion on economic growth and its regional heterogeneity. By constructing a panel data regression model and testing robustness and heterogeneity, the empirical results show that inclusive finance has a significant positive role in promoting economic development across the country. The role of financial inclusion in the economic development of different regions in China is significantly different, and the central region has the strongest promotion effect due to the balanced economy, moderate infrastructure and high technology acceptance. The eastern and western regions limit the incremental effect and penetration of inclusive finance due to market saturation and backward infrastructure, respectively. Based on the above analysis, this paper puts forward policy suggestions such as strengthening policy support, increasing financial innovation, improving the multi-level inclusive financial system, and strengthening the construction of digital inclusive financial, so as to further optimize inclusive financial services, improve the efficiency of financial resource allocation, and promote the inclusive growth of China’s economy.