2095-1124

CN 51-1738/F

数字普惠金融助力共同富裕:理论逻辑与实现路径

The Contribution of Digital Inclusive Finance to Common Prosperity: Theoretical Foundations and Pathways for Implementation

  • 摘要: 发展数字普惠金融是助力共同富裕和实现中国式现代化的有效途径。文章利用2011—2023年我国30个省份的面板数据,基于对共同富裕内涵的解析,构建了共同富裕综合评价指标体系,并运用双固定效应模型探析了数字普惠金融对共同富裕的影响。研究结果表明,数字普惠金融对推动共同富裕产生了显著的促进作用,且该结论在控制内生性和稳健性检验后仍然成立;异质性分析表明,数字普惠金融对地区共同富裕存在显著的区域异质性,且东部地区显著高于中西部地区;进一步分析发现,数字普惠金融通过大数据、云计算等数字技术优化资源配置,促进企业智能转型和产业链整合,进而推动产业升级,为实现共同富裕提供了持续动力。基于上述结论,应大力推动数字普惠金融发展,同时也要考虑地区发展差异,因地施策,更好地实现全体人民共同富裕。

     

    Abstract: The development of digital inclusive finance offers a powerful means to promote common prosperity and advance China’s unique modernization path. Using panel data from 30 provinces (2011−2023), this paper first constructs a comprehensive common-prosperity index based on its conceptual dimensions. It then applies a two-way fixed-effects model to assess how digital inclusive finance influences common prosperity. The research findings indicate that digital inclusive finance significantly accelerates progress toward common prosperity—a result that holds after addressing endogeneity and conducting robustness checks. Regional heterogeneity tests show that this positive impact is strongest in the eastern provinces, while the central and western regions benefit to a lesser extent. Further analysis reveals that digital inclusive finance optimizes resource allocation via big data and cloud-computing platforms, fosters intelligent enterprise transformation and deeper industrial-chain integration, and thereby drives industrial upgrading—providing sustained momentum for shared prosperity. These insights underscore the importance of vigorously expanding digital inclusive finance nationwide, while tailoring policies to regional conditions to ensure all areas can fully leverage its benefits for common prosperity.

     

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