| 摘要: |
| 数字普惠金融通过创业活动、居民消费和技术创新等中介促进共同富裕，但在地域间存在异质性。研究发现：在东部地区，创业活动、居民消费和技术创新的中介效应均显著，而中部和西部地区只有创业活动和居民消费发挥了部分中介效应，技术创新的中介效应并不显著；同时，三个中介中，居民消费的中介作用最大。此外，不论是全国还是东中西部各地区，数字普惠金融在助力共同富裕的过程中均呈现“边际效应”递增的非线性特征。 |
| 关键词: 数字普惠金融 共同富裕 创业活动 居民消费 技术创新 |
| DOI： |
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| Digital Inclusive Finance’s Role in Promoting Common Prosperity: Nonlinear Pathways and Regional Heterogeneity |
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HUANG Hua-yi, LI Chuang-liang
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School of Finance, Lanzhou University of Finance and Economics, Lanzhou 730030, China
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| Abstract: |
| Digital inclusive finance can promote common prosperity through intermediaries such as entrepreneurial activities, residential consumption, and technological innovation, but there is heterogeneity among regions. The results show that in the eastern region, the mediating effects of entrepreneurial activities, residential consumption, and technological innovation are all significant, while in the central and western regions, only entrepreneurial activities and residential consumption play a partial mediating effect, and the mediating effect of technological innovation is not insignificant. At the same time, among these three intermediaries, the intermediary role of residential consumption is the largest. Furthermore, whether nationwide or in the Eastern, Central, and Western regions, the process of digital inclusive finance promoting common prosperity exhibits a nonlinear characteristic of increasing “marginal effects”. |
| Key words: digital inclusive finance common prosperity entrepreneurial activities residential consumption technological innovation |
