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专题追踪 | 数字普惠金融研究精选

志阳创谈 | 与时代创变者共同探索创业新知 2022/05/07 07:29

新知达人, 专题追踪 | 数字普惠金融研究精选

编者按:

数字普惠金融 是指通过互联网技术,借助信息处理、数据分析等一系列相关技术在金融领域的应用,促进信息共享。在当前我国经济转向高质量发展的背景下,发展数字普惠金融,提高各类群体的金融可得性,不仅能从整体上推动金融业高质量发展,还可通过增加高质量产品供应、激发内需活力来促进数字金融与实体经济的深度融合、提升弱势群体的参与度,助力我国经济高质量健康发展。

数字普惠金融如何影响经济增长和创业行为?本期分享数字普惠金融相关的前沿研究。

目录 CONTENTS

  • Research on Threshold Effect of Digital Inclusive Finance and Regional Urban-rural Income Gap

  • 数字普惠金融与区域城乡收入差距的阈值效应研究

  • Research on the Influence of Digital Inclusive Finance on China's Labor Income Share

  • 数字普惠金融对中国劳动收入份额的影响研究

  • Digital Inclusive Finance, Environmental Regulation, and Regional Economic Growth: An Empirical Study Based on Spatial Spillover Effect and Panel Threshold Effect

  • 数字普惠金融、环境管制与区域经济增长——基于空间溢出效应和面板阈值效应的实证研究

  • Digital Inclusive Finance, Innovation and Entrepreneurship

  • 数字普惠金融、创新和创业

  • An Empirical Study on the Impact of Digital Inclusive Finance on Rural Revitalization

  • 数字普惠金融对乡村振兴影响的实证研究

新知达人, 专题追踪 | 数字普惠金融研究精选

Research on Threshold Effect of Digital Inclusive Finance and Regional Urban-rural Income Gap

数字普惠金融与区域城乡收入差距的阈值效应研究

摘要:

数字金融普惠的快速发展与区域城乡居民收入密切相关。 本文采用固定效用模型和阈值效应模型,选取2011年至2019年的面板数据,从东、中、西部三个地区对数字金融普惠的覆盖广度、使用深度和数字化程度进行研究。 得出的结论是,中国不同地区的数字普惠金融对城乡居民收入差距的影响存在地区差异 数字普惠金融指数、覆盖广度和使用深度对城乡居民收入的影响存在双重阈值效应,数字化程度不存在阈值效应。因此,建议西部地区完善数字普惠金融的相关设施建设;将数字普惠金融的覆盖面和使用深度提高到第二个阈值以上。

The rapid development of digital financial inclusion is closely related to the income of regional urban and rural residents. This article uses the fixed utility model and the threshold utility model, and selects panel data from 2011 to 2019, and conducts research from the eastern, central, and western regions and the breadth of coverage, depth of use, and degree of digitization of digital financial inclusion. It is concluded that the effect of digital financial inclusion in different regions of China on the income gap between urban and rural residents is regionally different. The impact of digital financial inclusion index, coverage breadth, and depth of use on urban and rural residents’ income has a dual threshold effect, and the degree of digitalization has no threshold effect. Therefore, it is recommended that the western region improve the construction of related facilities for digital financial inclusion; increase the coverage and depth of digital financial inclusion to above the second threshold.

关键词:

数字普惠金融;区域城乡收入差距;阈值效应模型

文献来源:

Meng C.(2021).Research on Threshold Effect of Digital Inclusive Finance and Regional Urban-rural Income Gap.Frontiers in Economics and Management, 2(8): 255-262.

新知达人, 专题追踪 | 数字普惠金融研究精选

Research on the Influence of Digital Inclusive Finance on China's Labor Income Share

数字普惠金融对中国劳动收入份额的影响研究

摘要:

数字普惠金融是近年来的研究热点,劳动收入份额是衡量一个国家社会分配公平性的重要标准。国内外学者对此已进行了大量的研究。本文重点研究数字普惠金融对劳动收入份额的影响 。基于北京大学金融研究所的数字普惠金融数据和各大数据库的劳动收入份额数据 ,采用理论分析和构建面板模型以及中介效应模型的实证分析方法。 深入挖掘数字普惠金融对劳动收入份额的作用路径及其异质性影响 ,并对二者的发展提出相应的对策建议。

Digital inclusive finance is a hot research project in recent years, and labor income share is an important standard to measure the fairness of social distribution in a country. Scholars at home and abroad have a large number of literature studies.This project focuses on the study of the impact of digital inclusive finance on labor income share. Based on the data of digital inclusive finance from The Institute of Finance of Peking University and the data of labor income share from major databases,theoretical analysis and the construction of panel model and empirical analysis method of intermediary effect model are adopted. Dig deeply into the action path of digital inclusive finance on labor income share and its heterogeneous impact, and put forward corresponding countermeasures and suggestions for the development of both.

关键词:

数字普惠金融;劳动收入份额;产业升级;异质性

文献来源:

Qinghan Z., Qing T., Hao S.(2022).Research on the Influence of Digital Inclusive Finance on China's Labor Income Share.Scientific Journal of Economics and Management Research,4(1):346-357.

新知达人, 专题追踪 | 数字普惠金融研究精选

Digital Inclusive Finance, Environmental Regulation, and Regional Economic Growth: An Empirical Study Based on Spatial Spillover Effect and Panel Threshold Effect

数字普惠金融、环境管制与区域经济增长——基于空间溢出效应和面板阈值效应的实证研究

摘要:

数字普惠金融的发展为经济增长增添了新的活力,环境管制是实现经济可持续增长的重要工具。因此,经济增长的这两个因素之间是否存在协同效应是一个值得探讨的话题。 本文使用2011年至2019年所收集的中国30个省份的面板数据,利用空间计量经济模型和阈值模型探讨数字普惠金融和环境管制对区域经济增长的影响。 研究结果证明,数字普惠金融的发展和环境管制力度的提高对区域经济增长具有显著的直接促进效应和负的空间溢出效应。此外,两者对区域经济增长具有显著的协同效应。面板阈值分析表明,随着数字普惠金融水平的提高,环境管制的回归系数由负转正,对区域经济增长起到了显著的促进作用。异质性分析发现,中国东部地区的数字普惠金融对经济的促进作用更大,而中部地区的环境管制对经济的促进作用更大。两者在中部地区的协同作用极大地促进了经济发展。当以数字普惠金融为阈值变量时,东西部地区的环境管制对区域经济发展具有单阈值效应。基于这些研究结果,本文建议建立数字普惠金融与环境管制的协调机制,以充分发挥二者在经济可持续增长中的协同作用。

The development of digital financial inclusion has added a new vitality to economic growth, and environmental regulation is an important tool to achieve sustainable economic growth.Therefore, whether there is a synergistic effect between these two factors of economic growth is a topic worth exploring. This paper uses the space econometric model and threshold model to explore the impact of digital financial inclusion and environmental regulation on regional economic growth using panel data from 30 Chinese provinces, collected between 2011 and 2019. The research results prove that the development of digital financial inclusion and the improvement in the intensity of environmental regulation have a significant direct promotion effect and negative spatial spillover effect on regional economic growth. Moreover, the two have a significant synergistic effect on regional economic growth. A panel threshold analysis showed that, with the improvement in the level of digital financial inclusion, the regression coefficient of environmental regulation changed from negative to positive, which played a significant role in promoting regional economic growth.The heterogeneity analysis found that digital inclusive finance in eastern regions of China plays a greater role in promoting the economy, whereas environmental regulation in the central region plays a greater role in promoting the economy. The synergy between the two in the central region greatly promotes economic development. When digital inclusive finance is used as the threshold variable,environmental regulation in eastern and western regions has a single-threshold effect on regional economic development. Based upon these research results, this paper proposes that a coordination mechanism between digital financial inclusion and environmental regulation should be established to give full play to their synergies in sustainable economic growth.

关键词:

数字普惠金融;环境管制;经济增长;空间溢出;阈值效应

文献来源:

Ding, R.; Shi, F.; Hao, S.Digital Inclusive Finance, Environmental Regulation, and Regional Economic Growth: An Empirical Study Based on Spatial  Spillover Effect and Panel Threshold Effect. Sustainability,14,4340.https://doi.org/10.3390/su14074340

新知达人, 专题追踪 | 数字普惠金融研究精选

Digital Inclusive Finance, Innovation and Entrepreneurship

数字普惠金融、创新和创业

摘要:

本文基于中国31个省份的数据,运用工具变量法和空间SDM模型实证分析了数字普惠金融发展对创业行为的影响 。结果表明:数字普惠金融与创业之间存在正的“U”型曲线关系。2012年后,各省数字普惠金融发展水平已超过阈值;本省数字普惠金融的发展,对外省创业有吸引作用;创新是数字普惠金融和创业之间的中介路径之一。数字普惠金融可以促进创业带动创新,也可以促进创新再带动创业,但前者更有效。目前,中国仍然存在融资约束,专项扶持资金应以创业为主,实行差别化信贷。

Based on the data of 31 provinces in China, this paper empirically analyzes the impact of the development of digital Inclusive Finance on entrepreneurial behavior by means of instrumental variable method and spatial SDM model. The results show that: there is a positive "U" curve relationship between digital Inclusive Finance and entrepreneurship. After 2012, the development level of digital Inclusive Finance in each province has exceeded the threshold; The development of digital Inclusive Finance in this province has a suction effect on entrepreneurship in other provinces; Innovation is one of the intermediary paths between digital Inclusive Finance and entrepreneurship. Digital inclusive finance can promote entrepreneurship and drive innovation, and can also promote innovation and then drive entrepreneurship, but the former is more effective.At present, there are still financing constraints in China. The special support funds should be mainly entrepreneurship, and differential credit should be implemented.

关键词:

数字普惠金融;创业;创新

文献来源:

Guyuan H., Youfei H.,Yuhan Z.(2019).Digital Inclusive Finance, Innovation and Entrepreneurship.Scientific Journal of Economics and Management Research, 11(5) :102-113.

新知达人, 专题追踪 | 数字普惠金融研究精选

An Empirical Study on the Impact of Digital Inclusive Finance on Rural Revitalization

数字普惠金融对乡村振兴影响的实证研究

摘要:

随着互联网的普及和信息技术的快速发展,数字科技与普惠金融相结合的数字普惠金融成为乡村振兴发展的新途径。 本文在阐述数字普惠金融对乡村振兴的作用机制的基础上,建立了乡村振兴发展水平指标体系,运用熵权法客观赋予各指标权重,计算了2011-2018年30个省区的乡村振兴发展指数。 最后,利用固定效应模型分析了数字普惠金融发展水平对乡村振兴的影响,并基于实证结果提出了数字普惠金融促进乡村振兴的政策建议。

With the popularization of the Internet and the rapid development of information technology, the digital inclusive finance combined with digital technology and inclusive finance has become a new way of rural revitalization and development. On the basis of elaborating the effect mechanism of digital inclusive finance on rural revitalization, this paper establishes an indicator system of rural revitalization development level, and uses entropy weight method to objectively give weights to each indicator to calculate the rural revitalization development index of 30 provinces and autonomous regions from 2011 to 2018.Finally, the fixed effect model is used to analyze the impact of the development level of digital inclusive finance on rural revitalization, and based on the empirical results, the policy suggestions of digital inclusive finance to promote rural revitalization are put forward.

关键词:

数字普惠金融;乡村振兴;熵权方法

文献来源:

Gaiting Z.(2021).An Empirical Study on the Impact of Digital Inclusive Finance on Rural Revitalization. International Journal of Science and Research, 10(2):1175-1181.

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