数字普惠金融对绿色全要素生产率 的影响研究

LZUFE-KMS > 金融学院

作者	乔彦彦
姓名汉语拼音	Qiao Yanyan
学号	2021000005069
培养单位	兰州财经大学
电话	18394008203
电子邮件	1262996225@qq.com
入学年份	2021-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	金融
学科代码	0251
第一导师姓名	徐立新
第一导师姓名汉语拼音	Xu Lixin
第一导师单位	兰州财经大学
第一导师职称	副教授
题名	数字普惠金融对绿色全要素生产率的影响研究
英文题名	Study on the impact of digital inclusive finance on green total factor productivity
关键词	数字普惠金融绿色全要素生产率资源错配金融科技
外文关键词	Digital universal financial ; Green total factor productivity ; Resource mismatch ; financial technology
摘要	在当今经济全球化的浪潮中，金融资源如同一股无形的血液，源源不断地滋养着实体经济的每个细胞。对于企业而言，得到优质的金融服务是其生存和发展的生命线；而对整个宏观经济而言，金融活动的顺畅与否则直接影响到国家经济的健康与活力。随着数字技术的飞速发展，数字普惠金融应运而生，它以数字科技为依托，致力于提供更加便捷、高效的金融服务，从而成为了推动金融服务普惠化的重要力量。这种新型金融服务模式能够有效地打破传统金融体系中存在的要素配置不合理现象，通过大数据分析、云计算等先进技术手段，精确定位客户需求，优化资源分配，减少信息不对称问题。这不仅有助于提升市场的运行效率，也为企业提供了更多的创新机会，使它们能够专注于绿色科技的研发与应用，从而实现从生产到消费全过程的绿色转型，极大地减少了环境污染和资源浪费。数字普惠金融顺应了高质量发展的时代潮流，它不仅能促进经济效益的增长，还能在社会层面上增进福祉，维护社会公平正义。通过数字金融的普及，可以更有效地整合社会资源，弥合城乡、区域间的差距，实现社会的和谐稳定。此外，数字普惠金融还能响应可持续发展的号召，通过降低门槛，让更多的人接触并享受到金融服务，进而形成一种人人参与、共同受益的发展格局。进一步来看，发展数字普惠金融有助于缓解资源配置的瓶颈问题，减轻要素配置错配的现象。它可以通过提高融资效率，降低融资成本，激活小微企业的活力，推动产业结构的优化升级。同时，通过数字技术的应用，数字普惠金融还能推动绿色全要素生产率的提升，助力经济向更加绿色、低碳的方向发展。基于固定效应模型，分析中国数字普惠金融对绿色全要素生产率的影响。在此基础上，从资源错配视角出发，将资本错配和劳动力错配作为中介变量，探索其在数字普惠金融影响绿色全要素生产率的中介效应。进一步，分区域和不同的经济基础水平对数字普惠金融与绿色全要素生产率的关系进行异质性分析，最终得出研究结论，基于扩大覆盖广度、促进使用深度、提升数字化程度、缓解资源错配，提高资源配置效率和发展地区主导产业等方面，对如何有效发挥数字普惠金融对绿色全要素生产率的提升作用提出合理建议。通过实证分析，本文得出以下结论：第一，数字普惠金融发展对绿色全要素生产率的提升具有显著的正向作用。第二，资本错配与劳动错配是数字普惠金融影响绿色全要素生产率的重要中介渠道。数字普惠金融通过缓解资源错配，提高资源配置效率来提升绿色全要素生产率水平。第三，数字普惠金融对绿色全要素生产率的影响存在区域异质性和经济基础水平差异。数字普惠金融在东部地区和经济发展程度高的区域作用更加明显，金融的普惠性与科技创新的结合促进了绿色全要素生产率的显著提高。
英文摘要	In the current wave of economic globalization, financial resources are like an invisible blood that continuously nourishes every cell of the real economy. For enterprises, access to high-quality financial services is the lifeline of their survival and development;For the whole macro-economy,the smooth or otherwise of financial activities directly affects the health and vitality of the national economy. With the rapid development of digital technology, digital inclusive finance comes into being. Relying on digital technology,it is committed to providing more convenient and efficient financial services, thus becoming an important force to promote the inclusion of financial services. This new financial service model can effectively break the irrational allocation of factors in the traditional financial system,and through advanced technological means such as big data analysis and cloud computing, accurately locate customer needs,optimize resource allocation, and reduce information asymmetry.This not only helps to improve the operation efficiency of the market,but also provides more innovation opportunities for enterprises, so that they can focus on the research and development and application of green technology,so as to achieve the green transformation of the whole process from production to consumption, greatly reducing environmental pollution and resource waste.Digital financial inclusion conforms to the trend of high-quality development.It can not only promote the growth of economic efficiency,but also improve welfare at the social level and safeguard social equity and justice.Through the popularization of digital finance, social resources can be more effectively integrated, the gap between urban and rural areas and regions can be closed,and social harmony and stability can be achieved.In addition,digital financial inclusion can also respond to the call for sustainable development,by lowering the threshold,so that more people have access to and enjoy financial services,and thus form a development pattern of participation and common benefits for all. Further,the development of digital inclusive finance can help alleviate the bottleneck of resource allocation and reduce the mismatch of factor allocation.It can improve financing efficiency, reduce financing costs,activate the vitality of small and micro enterprises,and promote the optimization and upgrading of industrial structure. At the same time, through the application of digital technology, digital inclusive finance can also promote the improvement of green total factor productivity, and help the economy to develop in a greener and low-carbon direction. Based on the fixed effect model, this paper analyzes the influence of digital financial inclusion on GTFP in China. On this basis, from the perspective of resource mismatch, capital mismatch and labor mismatch are taken as intermediary variables to explore their mediating effects on green total factor productivity in digital inclusive finance. Further, this paper analyzes the heterogeneity of the relationship between digital inclusive finance and green total factor productivity by region and at different economic base levels, and finally draws a research conclusion based on expanding coverage breadth, promoting use depth, enhancing digitization degree, alleviating resource mismatch, improving resource allocation efficiency and developing regional leading industries. Reasonable suggestions on how to effectively play the role of digital inclusive finance in promoting green total factor productivity are put forward. Through empirical analysis,this paper draws the following conclusions: First,the development of digital inclusive finance has a significant positive effect on the promotion of GTFP. Second,capital mismatch and labor mismatch are important intermediary channels for digital financial inclusion to affect GTFP. Digital inclusive finance improves the level of green total factor productivity by alleviating resource misallocation and improving resource allocation efficiency. Third,The impact of digital financial inclusion on green total factor productivity has regional heterogeneity and economic base level differences. The role of digital inclusive finance is more obvious in the eastern region and regions with high economic development degree. The combination of financial inclusion and scientific and technological innovation has promoted the significant improvement of green total factor productivity.
学位类型	硕士
答辩日期	2024-05-26
学位授予地点	甘肃省兰州市
语种	中文
论文总页数	83
参考文献总数	68
馆藏号	0005798
保密级别	公开
中图分类号	F83/611
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/36522
专题	金融学院
推荐引用方式 GB/T 7714	乔彦彦. 数字普惠金融对绿色全要素生产率的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2024.

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