摘要
利用2014—2023年云南省103个县域面板数据,通过基准回归、稳健性检验以及异质性分析和中介效应模型,探究数字普惠金融驱动云南省县域经济迈向高质量发展的因果效应及传导路径。研究结果表明:推进数字普惠金融的建设有助于激活云南县域经济内生动力,充分释放数字金融红利;数字普惠金融通过产业转型升级拉动县域经济发展且具有正向中介效应。政策层面应加快数字普惠金融向县乡末梢延伸,并紧扣地方产业转型精准对接,以数字普惠金融撬动产业升级,进而实现区域经济质量的整体跃升。
The causal impact and the transmission channels through which digital inclusive finance fosters high-quality development at the county scale are indentified by employing county-level panel data covering 103 counties in Yunnan Province from 2014 to 2023,and combining baseline regressions,robustness checks,heterogeneity tests,and a mediation-effects framework.The findings reveal that accelerating the construction of digital inclusive finance invigorates endogenous growth drivers in Yunnan's counties and fully unlocks digital dividends;and that digital inclusive finance boosts county economies by propelling industrial transformation and upgrading,with this linkage operating through a significantly positive mediating channel.Accordingly,the policy that policymakers expedite the extension of digital inclusive finance to the township—village periphery while aligning it precisely with local industrial restructuring,thereby leveraging digital financial tools to catalyze industrial upgrading and deliver a region-wide qualitative leap—is recommended.
作者
陈秋菊
史雪琳
王金辉
吴协煌
CHEN Qiuju;SHI Xuelin;WANG Jinhui;WU Xiehuang(School of Management,Qujing Normal University,Qujing Yunnan 655011,China)
出处
《曲靖师范学院学报》
2025年第6期103-112,共10页
Journal of Qujing Normal University
基金
曲靖市社科联·曲靖师范学院哲学社会科学联合专项项目“数字金融驱动云南省县域经济高质量发展机制研究”(ZSLH2023ZD01)。
关键词
数字普惠金融
高质量发展
中介效应
云南县域经济
digital inclusive finance
high-quality development
mediation effect
county economy
