甘肃省数字普惠金融发展对推进共同富裕的影响研究

LZUFE-KMS > 金融学院

作者	黄杨
姓名汉语拼音	HuangYang
学号	2020000005026
培养单位	兰州财经大学
电话	15668059950
电子邮件	15013107@sdtbu.edu.cn
入学年份	2020-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	应用经济学
学科代码	0251
第一导师姓名	狄瑞鸿
第一导师姓名汉语拼音	DiRuihong
第一导师单位	兰州财经大学
第一导师职称	教授
题名	甘肃省数字普惠金融发展对推进共同富裕的影响研究
英文题名	Research on the impact of digital financial inclusion development on promoting common prosperity in Gansu Province
关键词	数字普惠金融共同富裕固定效应创业活跃度
外文关键词	digital inclusive finance; common prosperity; fixed effect; entrepreneurial activity
摘要	共同富裕自毛泽东时期被提出一直主导着我国经济发展和人民奋斗的方向， 2020 年我国实现全面脱贫，工作重心转移到减少相对贫困、缩小差距、实现共同富裕上面。2021 年共同富裕示范区正式落地浙江，中央财经委员会第十次会议研究了扎实促进共同富裕问题。为实现共同富裕，我国打响脱贫攻坚战。在脱贫攻坚进程中，扶贫模式也从“输血式”向“造血式”转变，同时提出了“大众创新，万众创业”。创新创业激发了市场活力，同时具有减贫效应。随着信息技术的快速发展，共同富裕有了更多助推方式，其中数字普惠金融异军突起，在促进经济增长、推动高质量发展、缩小收入差距、促进乡村振兴等方面获得了重大成效，推动了共同富裕的进程。甘肃省地处我国西北欠发达地区，对于全国实现共同富裕至关重要，近年来经济发展虽取得了重大进步，但整体富裕水平仍落后于全国。基于上述背景，本文对已有文献进行梳理，分析了甘肃省数字普惠金融和共同富裕的现状，构建了共同富裕地级市层面的指标体系。在此基础之上，利用 2011-2020 年甘肃省数字普惠金融指数面板数据，运用双向固定效应模型检验数字普惠金融对共同富裕的作用及其异质性；其次，运用中介效应模型检验了创业活跃度在数字普惠金融促进共同富裕之间的中介效应。经过研究检验，本文得出以下结论：第一，面对甘肃省各项指标落后于全国的客观状况，数字普惠金融及其一级子维度都对共同富裕起到积极的促进作用；第二，创业活跃度在数字普惠金融促进共同富裕过程中具有中介效应，数字普惠金融可以通过提高创业活跃度来促进共同富裕。以上结论在考虑内生性问题和更换共同富裕指标测度方法等多种稳健性检验后仍成立。基于以上研究结论，提出加快地区数字普惠金融发展、鼓励大众创业，提高创业活跃度、发展地方特色文旅经济、加强居民能力建设、强化金融监管和市场监管等多项措施，通过促进数字普惠金融发展和提高创业活跃度来加快实现共同富裕的进程。
英文摘要	Common prosperity has been the direction of China's economic development and people's struggle since it was proposed by Mao Zedong. In 2020, China will achieve comprehensive poverty alleviation, and the focus of work will shift to reducing relative poverty, narrowing the gap and achieving common prosperity. In 2021, the demonstration zone for common prosperity was officially launched in Zhejiang. The 10th meeting of the Central Committee of Finance and Economics studied the issue of promoting common prosperity in a solid way. In order to achieve common prosperity, China has launched the fight against poverty. In the process of poverty alleviation, the poverty alleviation model has also changed from "blood transfusion" to "hematopoietic", and the concept of "mass innovation, mass entrepreneurship" has been put forward. Innovation and entrepreneurship stimulate the vitality of the market and have the effect of poverty reduction. With the progress of the times and the rapid development of information technology, there are more ways to boost common prosperity. Among them, digital inclusive finance has sprung up, which has achieved significant results in promoting economic growth, promoting high-quality development, narrowing income gap, and promoting rural revitalization, and has promoted the process of common prosperity. Gansu Province is located in the underdeveloped area of northwest China, which is crucial to the realization of common prosperity of the country. Although the economic development has made significant progress in 2011-2020, the overall level of prosperity is still behind the country. Based on the above background, this paper combs the existing literature, analyzes the current situation of digital inclusive finance and common prosperity in Gansu Province, and constructs an indicator system at the prefecture-level and city-level of common prosperity. On this basis, using the panel data of Gansu Digital Inclusive Finance Index from 2011 to 2020, we use the two-way fixed effect model to test the role and heterogeneity of digital inclusive finance on common prosperity; Secondly, the intermediary effect model is used to test the intermediary effect of entrepreneurial activity between digital inclusive finance and common prosperity. After research and test, this paper draws the following conclusions: First, in the face of the objective situation that various indicators in Gansu Province lag behind the national level, digital inclusive finance and its first-level sub-dimension have played a positive role in promoting common prosperity; Second, entrepreneurial activity has an intermediary effect in the process of digital inclusive finance promoting common prosperity. Digital inclusive finance can promote common prosperity by increasing entrepreneurial activity. The above conclusions are still valid after considering the endogenous problems and changing the measurement methods of common wealth indicators. Based on the above research conclusions, it is proposed to accelerate the development of regional digital inclusive finance, encourage public entrepreneurship, improve entrepreneurial activity, develop local culture and tourism economy, strengthen residents' capacity building, strengthen financial supervision and market supervision and other measures to accelerate the process of achieving common prosperity by promoting the development of digital inclusive finance and increasing entrepreneurial activity.
学位类型	硕士
答辩日期	2023-06-03
学位授予地点	甘肃省兰州市
语种	中文
论文总页数	71
参考文献总数	78
馆藏号	0005090
保密级别	公开
中图分类号	F83/515
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/34298
专题	金融学院
推荐引用方式 GB/T 7714	黄杨. 甘肃省数字普惠金融发展对推进共同富裕的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2023.

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