金融学院知识库

  目前，中国正积极推进社会主义现代化国家的全面建设，这一时期被视为中国现代化进程中的一个关键启动阶段。自党的十八大以来，以习近平同志为核心的党中央对中国发展的历史条件和所处阶段进行了深入分析，并基于对中国及其他国家现代化建设经验的全面认识，提出了中国经济发展阶段从高速增长向高质量发展转变的重要观点。据此，形成了一系列推动高质量发展的重大政策决策，明确提出高质量发展是实现社会主义现代化全面建设的首要任务。在这一战略背景下，数字普惠金融作为一种融合了数字化和普惠性的金融服务形态，依托先进的数字技术，能够有效地支持中国经济的高质量发展需求。因此，深入研究数字普惠金融在促进陕西省经济高质量发展中的作用，并充分发挥其普惠性和精准性，对于推动陕西省实现高质量发展具有重要意义。

  通过对现有文献的梳理，本文明确了数字普惠金融的特征和内涵，并基于数字普惠金融对经济高质量发展的理论影响机制，对陕西省的经济高质量发展指数和数字普惠金融指数进行了熵值化和标准化处理。通过构建多元回归模型，本文详细分析了数字普惠金融总指数及其三个主要维度（覆盖广度、发展深度、数字化程度）对陕西省经济高质量发展的影响，深入探讨了数字普惠金融的作用，并通过多种稳健性检验验证了其影响效果。

  研究发现，数字普惠金融对陕西省高质量经济发展具有明显的促进作用，尤其在经济发展较慢地区和财政支出较高的地区效应更为显著。特别是在陕南地区，相较于陕北和关中地区，数字普惠金融对经济高质量发展的正面影响更加突出。进一步的影响机理检验揭示了数字普惠金融通过推动创新投入和网络发展等途径促进陕西省的高质量经济增长。基于这些发现，文章最后提出了一系列政策建议，包括加强技术创新支持、制定差异化的区域发展战略和加强风险防范机制，以期为陕西省乃至全国的高质量发展提供参考。

  Currently, China is vigorously advancing the comprehensive construction of a socialist modernization country, a period considered a critical initiation phase in China's modernization process. Since the 18th National Congress of the Communist Party of China, with Comrade Xi Jinping at its core, the CPC Central Committee has conducted an in-depth analysis of the new historical conditions and stages of China's development. Based on a comprehensive understanding of China's and other countries' experiences in modernization, it has proposed a significant viewpoint that China's economic development stage is transitioning from high-speed growth to high-quality development. Consequently, a series of major policy decisions aimed at promoting high-quality development have been formulated, clearly stating that high-quality development is the primary task in the comprehensive construction of a socialist modernized country. Against this strategic backdrop, digital inclusive finance, integrating digitalization and inclusiveness in financial services and supported by advanced digital technologies, can effectively meet the demands for China's high-quality economic development. Therefore, it is crucial to undertake a comprehensive examination of how digital inclusive finance can foster high-quality economic growth in Shaanxi Province, while maximizing its inclusive and precision, as this holds immense importance in propelling the province towards a higher standard of development.
  By meticulously analyzing the existing scholarly work, this study highlights the distinct attributes and fundamental concepts of digital inclusive finance. Utilizing the theoretical frameworks that elucidate the impact of digital inclusive finance on enhanced economic progress, it undertakes entropy and normalization procedures on the indices of economic development quality and the digital inclusive finance measure pertinent to Shaanxi Province. By developing a multivariate regression model, this study meticulously examines the influence of the overall digital inclusive finance index and its three primary dimensions (coverage breadth, developmental depth, and digitization level) on the advanced economic progress of Shaanxi Province. It delves into the role of digital inclusive finance, and its impact effectiveness is corroborated through various robustness tests.
  The research reveals that digital inclusive finance significantly fosters high-quality economic development in Shaanxi Province, with more pronounced effects in areas of slower economic growth and higher fiscal expenditure. Notably, in the Shaanxi Southern region compared to the Northern and Central Shaanxi areas, the positive impact of digital inclusive finance on high-quality economic development is even more distinct. Further investigation into the mechanisms of influence has shown that digital inclusive finance promotes high-quality economic growth in Shaanxi through fostering innovation input and network development among other pathways. Drawing on these insights, the article concludes with a set of policy recommendations aimed at enhancing technological innovation support, formulating differentiated regional development strategies, and strengthening risk prevention measures, all intended to serve as a reference for high-quality development in Shaanxi Province and beyond, through diverse grammatical constructions.