Exploring the mechanisms and regional variations in how digital financial inclusion drives high-quality real economic development across China

IF 7.1 2区经济学 Q1 BUSINESS, FINANCE Finance Research Letters Pub Date : 2025-03-01 Epub Date: 2024-12-13 DOI:10.1016/j.frl.2024.106649

Jiwen Gao , Hao Li , Didi Zhang

引用次数: 0

Abstract

This study utilizes a comprehensive panel dataset spanning from 2011 to 2021, encompassing 284 prefecture-level cities across China, to delve into the intricate relationship between digital financial inclusion and the high-quality development trajectory of the real economy. Our findings underscore the pivotal role of digital financial inclusion in significantly bolstering the growth of the real economy. Furthermore, we reveal that this enhancement occurs, in part, through the stimulation and safeguarding of entrepreneurial activities, thereby contributing to the high-quality development of the regional real economy. Notably, our analysis also highlights the existence of regional disparities in the manner and extent to which digital financial inclusion influences the development of the real economy.

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探讨数字普惠金融推动中国实体经济高质量发展的机制和区域差异

本研究利用2011年至2021年涵盖全国284个地级市的综合面板数据集，深入研究数字普惠金融与实体经济高质量发展轨迹之间的复杂关系。我们的研究结果强调了数字普惠金融在显著促进实体经济增长方面的关键作用。此外，我们发现，这种增强在一定程度上是通过刺激和保障创业活动来实现的，从而有助于区域实体经济的高质量发展。值得注意的是，我们的分析还强调了数字普惠金融影响实体经济发展的方式和程度存在地区差异。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

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