2095-1124

CN 51-1738/F

数字普惠金融赋能新能源产业发展的机制分析

Mechanisms of Digital Inclusive Finance in Empowering the New Energy Industry

  • 摘要: 在实现“双碳”目标的背景下,探究数字普惠金融赋能新能源产业发展的机制对推动经济绿色转型具有重要意义。文章基于2011—2022年省级面板数据,采用双向固定效应模型研究数字普惠金融赋能新能源产业的作用机制。研究发现:(1)数字普惠金融能够显著促进新能源产业发展,经过一系列稳健性检验和内生性检验后结论成立;(2)机制检验显示,数字普惠金融通过缓解企业融资约束、提高区域创新能力以及提升环境关注度赋能新能源产业发展;(3)异质性检验结果表明,在京津冀地区、低市场化水平以及低金融监管强度的地区,数字普惠金融的赋能属性尤为显著。基于以上结论,文章提出构建差异化普惠金融服务体系;推动“东数西算”与新能源产业深度融合,建立“数据—算力—能源—环境”协同模式;因地制宜优化金融产品结构与风险防控机制,为数字普惠金融赋能新能源产业发展提供有力支撑。

     

    Abstract: Under the framework of the “dual carbon” goals, examining how digital inclusive finance empowers the development of the new energy industry is of great significance for promoting green economic transformation. Using provincial panel data from 2011 to 2022 and a two-way fixed effects model, this study investigates the mechanisms through which digital inclusive finance enables new energy industry development. The study finds three main results. First, digital inclusive finance significantly promotes the development of the new energy industry, and this conclusion holds after multiple robustness and endogeneity tests. Second, mechanism analysis shows that digital inclusive finance operates through three channels: alleviating corporate financing constraints, enhancing regional innovation capacity, and increasing environmental awareness. Third, heterogeneity tests indicate that the enabling effects of digital inclusive finance are particularly pronounced in the Beijing-Tianjin-Hebei region, in areas with lower levels of marketization, and in regions with weaker financial regulation. Based on these findings, the study proposes building a differentiated inclusive financial service system; promoting deep integration between the “Eastern Data and Western Computing” initiative and the new energy industry to establish a collaborative “data-computing power-energy-environment” model; and optimizing financial product structures and risk prevention mechanisms according to local conditions to provide strong support for digital inclusive finance in empowering new energy industry development.

     

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