金融学院知识库

党的二十大报告指出，“我们要实现好、维护好、发展好最广大人民根本利益，紧紧抓住人民最关心最直接最现实的利益问题，坚持尽力而为、量力而行，深入群众、深入基层，采取更多惠民生、暖民心举措，着力解决好人民群众急难愁盼问题，健全基本公共服务体系，提高公共服务水平，增强均衡性和可及性，扎实推进共同富裕”。在实现共同富裕的过程中，我国仍面临着居民收入差距不合理、经济发展水平参差不齐、贫富差距突出、城乡区域发展不平衡等问题。数字普惠金融的兴起可以打破这一不平衡局面, 通过缓解融资约束、促进区域协调发展等方式助力实现共同富裕的目标。数字普惠金融作为一种在人工智能及大数据等技术蓬勃发展背景下兴起的金融模式，其对民众的广泛覆盖和提供全方位、个性化金融服务的特点引起了社会各界的广泛关注。数字普惠金融的内涵、特点及意义与实现共同富裕目标的理念高度契合，已经成为中国社会主义现代化建设与高质量发展进程中的重要议题。

本文以数字普惠金融如何影响共同富裕为核心问题展开研究。首先，对国内外文献进行梳理，归纳现有研究成果；其次，解释数字普惠金融与共同富裕的相关概念及核心理论，并结合长尾理论、金融排斥理论和包容性增长理论详细说明数字普惠金融对共同富裕的影响机制；再次，对数字普惠金融的现状及其助推共同富裕的成效与不足进行分析，然后进行模型构建、变量选择等研究设计环节；最后，基于我国2011—2020年省级面板数据，利用熵值法构建共同富裕指数，运用固定效应模型和中介效应模型对数字普惠金融影响共同富裕的机制进行实证分析。研究发现：（1）基准回归分析表明，数字普惠金融对我国实现共同富裕具有显著的促进作用，并且其子指标覆盖广度、使用深度依然具有不同程度的促进作用，且结果具有稳健性；（2）区域异质性分析表明，数字普惠金融对共同富裕的促进效应仅在中西部和东北部地区较为显著，而在东部地区不明显；（3）机制分析表明，数字普惠金融对共同富裕水平的促进作用是通过缓解融资约束、提升创业活跃度和促进技术创新等途径实现的。

结合理论分析及实证研究结果，本文提出以下政策建议：一是加强数字普惠金融发展，为实现共同富裕提供新的动能；二是以数字普惠金融激活社会创业活力，加大对中小型企业创业支持力度；三是借力数字普惠金融优化中小企业融资渠道，缓解金融排斥现象；四是重视技术创新在数字普惠金融中的作用，提升金融服务效率，为实现共同富裕目标提供更好的支持。

The report of the 20th National Congress of the Communist Party of China pointed out, "We must realize, safeguard and develop the fundamental interests of the broadest masses of the people, firmly grasp the most direct and realistic interests of the people, persist in doing our best and doing what we can, go deep among the masses and at the grassroots level, take more measures to benefit the people's livelihood and warm the people's hearts, focus on solving the people's urgent and difficult problems, improve the basic public service system, improve the level of public services, enhance balance and accessibility, and solidly promote common prosperity."In the process of achieving common prosperity, our country still faces such problems as unreasonable income gap of residents, uneven level of economic development, prominent gap between rich and poor, and unbalanced development between urban and rural areas. The rise of digital financial inclusion can break this imbalance and help achieve common prosperity by easing financing constraints and promoting balanced regional development.As a financial model emerging under the background of the vigorous development of artificial intelligence, big data and other technologies, digital inclusive finance has attracted wide attention from all walks of life due to its extensive coverage of the public and its features of providing all-round and personalized financial services. The connotation, characteristics and significance of digital inclusive finance are highly consistent with the idea of achieving common prosperity, which has become an important issue in the process of China's socialist modernization and high-quality development.

 This paper takes the mechanism of the influence of digital inclusive finance on common prosperity as the core issue.first, Combing through the domestic and foreign literature, Summarize the existing research results; next, Define the relevant concepts of digital financial inclusion and common prosperity and introduce the core theories used, Combined with the above core theory to explain its direct and indirect influence mechanism in detail; Furthermore, Analyze the current situation of digital inclusive finance and the effectiveness and deficiencies of digital inclusive finance in promoting common prosperity, Then, the model construction, variable selection and other research and design links; last, Based on China's provincial panel data from 2011 to 2020,To construct the common prosperity index, Using fixed effect model and intermediary effect model to analyze the influence mechanism of digital inclusive finance on common prosperity. The study found that: (1) benchmark regression analysis shows that digital inclusive finance plays a significant role in promoting the common prosperity of China, and the scope of coverage and use depth, and the results are robust; (2) regional heterogeneity analysis shows that the promotion effect of digital inclusive finance on common prosperity is only significant in the central and western regions, but not in the eastern regions; (3) mechanism analysis shows that digital inclusive finance indirectly improves the level of common prosperity by enhancing entrepreneurial activity, alleviating financing constraints and promoting technological innovation.

Combining theoretical analysis and empirical research results, this paper puts forward the following policy recommendations: first, strengthen the development of digital inclusive finance to provide new driving force for achieving common prosperity; Second, digital inclusive finance will invigorate social entrepreneurship and increase support for small and medium-sized enterprises. Third, the use of digital inclusive finance to optimize the financing channels of smes and alleviate the phenomenon of financial exclusion; Fourth, attach importance to the role of technological innovation in digital financial inclusion and improve the efficiency of financial services.