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数字普惠金融存在经济增长数量的抑制效应,而对经济增长质量会产生显著的促进作用,数字普惠金融分别与经济增长数量和经济增长质量之间存在着"U"型和倒"U"型关系,且数量效应处于抑制区间、质量效应处于上升区间。因而,需要大力发展数字普惠金融,以此来促使其早日越过抑制经济增长数量的区间和进一步接近经济增长质量提升的最优值。分地区看,数字普惠金融对经济增长数量和质量的效应都具有明显的区域异质性。此外,资本、劳动和对外贸易依旧是经济增长数量提升的重要推动力,创新、FDI和产业结构调整是提升我国经济增长质量的重要因素。因此,应当加快各地区的数字普惠金融顶层设计,提高参与主体的数字普惠金融意识,完善数字普惠金融的基础设施等。
Abstract：Digital inclusive finance has an inhibition effect on the quantity of the economic growth, and has asignificant role in promoting the quality of economic growth. Digital inclusive finance has respectively a"U"anda upside down"U"relationship with the quantity of economic growth and the quality of economic growth, withthe quantity effect in inhibiting interval and the quality effect in rising interval. Therefore, it is necessary tovigorously develop digital inclusive finance, expecting to push it forward to cross the range of restrainingeconomic growth quantity and further approach the optimal value of improving the quality of economic growth.Viewing from different regions, the effect of digital inclusive finance on the quantity and quality of economicgrowth has obvious regional heterogeneity. In addition, capital, labor and foreign trade remain important driversof economic growth in quantity. Innovation, FDI and industrial restructuring are important factors to improve thequality of China's economic growth. Therefore, it is necessary to speed up the top-level design of digital inclusivefinance in various regions, raise the awareness of participants in digital inclusive finance, and improve theinfrastructure of digital inclusive finance.
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基本信息:
中图分类号:F124.1
引用信息:
[1]詹韵秋.数字普惠金融对经济增长数量与质量的效应研究——基于省级面板数据的系统GMM估计[J].征信,2018,36(08):51-58.
基金信息:
国家社科基金西部项目(2017XJY013)
2018-09-12
2018-09-12
2018-09-12