数字普惠金融对我国新型城镇化的影响研究

【作者】 刘欣；

【导师】 王刚；

【作者基本信息】 黑龙江省社会科学院 ， 区域经济学， 2022， 硕士

【摘要】 改革开放至今,我国的城镇化建设速度较快,成绩斐然,不过城乡之间依然存在发展不协调的问题。而数字普惠金融由于其本身的普惠性和便利件,在助力城乡一体化发展,推动实施乡村振兴战略等方面具有一定的积极作用。本文聚焦数字普惠金融对新型城镇化的影响,采用定性分析与定量分析结合的方法,探索数字普惠金融发展如何作用于新型城镇化的建设。本文根据2011-2020年全国31个省市的数据,秉持以人为本的理念和新发展理念,构建了从以人为本、经济发展、城乡融合、生态文明和成果共享五个维度出发,囊括11个一级指标、23个二级指标的新型城镇化指标评价体系,利用熵值法测度了我国各省市新型城镇化的发展水平。从直接影响与间接影响两方面对数字普惠金融如何作用于新型城镇化进行了定性分析。直接影响包括提供资金保障和减缓金融排斥两方面,间接影响包括提高资源配置效率、促进产业结构升级和促进可持续发展三方面。根据定性分析提出相应假设并进行了实证检验。在实证分析的部分,采用了时间个体双向固定效应模型验证数字普惠金融对我国新型城镇化建设的促进作用。在进一步分析中,考察了老龄化水平与环境规制对这一影响产生的调节效应;进行了异质性分析,分地区将新型城镇化与数字普惠金融的各项业务进行回归,探究各子维度指数对各地区新型城镇化的影响;验证了金融资源配置效率与产业结构的中介效应。根据理论分析与实证研究的结果,本文得出的主要结论有:数字普惠金融能够显著促进我国新型城镇化的发展;老龄化水平与环境规制在数字普惠金融影响新型城镇化的过程中表现出调节效应,老龄化水平越高,数字普惠金融越难发挥对新型城镇化建设的促进作用,环境规制则相反,表现出正向的调节效应;数字普惠金融对我国各地区的新型城镇化都有促进作用,各子维度结果不同;数字普惠金融可以通过提高金融资源配置效率,促进产业结构升级助力新型城镇化的建设。根据分析结果,提出如下建议:一是完善制度设计。二是提升人力资本。一方面要打造高素质数字普惠金融人才,另一方面也要着重提升居民金融素养。三是重视环境规制。利用数字普惠金融无纸化的低碳优势推动新型城镇化高质量发展。四是因地制宜发展。东部地区要发挥引领作用,不断在金融工具、金融服务与金融供给模式等方面探索创新;中部地区要深化各项金融服务;西部地区要进一步拓宽数字普惠金融覆盖面。五是促进产业升级。充分利用数字普惠金融推动产业结构优化升级的优势,以产业结构升级加快新型城镇化的建设。更多还原

【Abstract】 China’s urbanization has been relatively fast and achieved remarkable results in recent decades.However,the contradiction of uncoordinated development between urban and rural areas still exists.Due to its inherent inclusiveness and convenience,Digital Inclusive Finance has a positive role in promoting coordinated development of urban and rural areas and realizing the rural revitalization strategy.Focusing on the construction of new urbanization and Digital Inclusive Finance,this paper explored the impact mechanism of Digital Inclusive Finance on the development of new urbanization with a combination of qualitative analysis and quantitative analysis.Firstly,based on the panel data of 31 provinces and municipalities across China from 2011 to 2020,an indicator evaluation system comprising 11 primary indicators and 23 secondary indicators on population urbanization,economic development,urban-rural integration,ecological civilization and sharing of results was constructed based on the concept of people-oriented and new development.This paper used the entropy value method to evaluate the development level of new-type urbanization in each province and municipality in China.Secondly,this paper used a qualitative analysis of the role of Digital Inclusive Finance on new urbanization in terms of both direct and indirect impacts.The immediate effect impact includes providing financial support and the alleviation of Financial Exclusion and rural development.At the same time,the indirect implications contain the improvement of resource allocation efficiency,the promotion of industrial structure upgrading and sustainable development.In the part of empirical analysis,this paper firstly used a time-individual two-way fixed effects model to verify the impact of Digital Inclusive Finance on China’s new urbanization.Secondly,this paper analyzed the moderating effect of the level of ageing and environmental regulation.And this paper conducted a heterogeneity analysis to regress each business of Digital Inclusive Finance by region to explore the impact of each sub-dimension index on new urbanization in each zone.Finally,this paper verified the mediating effect of financial capital allocation efficiency and industrial structure.Based on the results of the theoretical analysis and empirical research,the main conclusions of this paper are:Digital Inclusive Finance can significantly accelerate the construction of new urbanization in China;the level of ageing and environmental regulation show moderating effects in the process of Digital Inclusive Finance affecting new urbanization,the higher the level of ageing,the more difficult it is for Digital Inclusive Finance to play a role in promoting the construction of new urbanization,while environmental regulation,on the contrary,shows Digital Inclusive Finance has a moderating effect on new urbanization in all regions of China,with different results in each sub-dimension;Digital Inclusive Finance contributes to the construction of new urbanization mainly by improving the efficiency of resource allocation and promoting the upgrading of industrial structure.Based on the analysis results,the paper gives the following recommendations:First,accelerate the construction of Digital Inclusive Finance and continuously improve system design.Second,to enhance the human capital of Digital Inclusive Finance,on the one hand,we should build high-quality digital inclusive financial talents;on the other hand,we should also enhance the financial literacy of residents through training and so on.Third,the government should give full play to the regulatory role of environmental regulations.We should take advantage of the low-carbon advantage of paperless digital inclusive finance to promote the high-quality development of new urbanization.Fourth,we should implement differentiated development strategies according to local conditions.The eastern region should play a leading role and continue to explore innovation in financial tools,financial services and financial supply models.The central zone should deepen various financial services.The western region should further broaden the coverage of Digital Inclusive Finance.Fifth,accelerate the optimization and upgrading of industrial structure.Digital inclusive finance promotes the transformation and upgrading of the industrial form,which facilitates the construction of new urbanization.更多还原