金融学院知识库

“脱贫摘帽不是终点，而是新生活、新奋斗的起点”,实现共同富裕既是长远目标，也是现实任务。推动共同富裕，重在解决发展问题，金融作为现代经济的核心，是经济发展的血脉。但传统金融长期的供给不足不仅无法满足金融弱势群体的广泛金融需求，还制约着经济结构转型和高质量发展，其时间上的滞后性和空间上的分配不均衡性影响了金融资源的供需配置。数字普惠金融通过数字技术与普惠金融的有机结合，进一步扩大了普惠金融覆盖面，助力金融弱势群体融资难、融资贵的问题得到有效化解，为促进经济高质量发展提供了强有力的支撑。

本文在使用熵值法测度了2011—2021年省际共同富裕指数的基础上，实证检验了数字普惠金融对我国共同富裕的作用机制及区域异质性。研究发现：数字普惠金融能显著促进共同富裕，且创业活动、居民消费和技术创新发挥了显著的中介效应；门槛效应分析表明数字普惠金融对共同富裕的影响具有随着数字普惠金融发展水平的提升先“边际效应”递减、再“边际效应”递增的非线性特征；分区域看，数字普惠金融能够显著促进东部、中部和西部地区共同富裕，且作用效果呈现“东部＞中部＞西部”的特征；分区域、分机制检验结果表明，东部地区的创业活动、居民消费和技术创新在数字普惠金融促进共同富裕的过程中都起到了明显的中介效应，且创业活动发挥的中介效应最高，中部地区只有居民消费发挥了部分中介效应，而西部地区三个中介变量均未能有效发挥中介效应。

据此，本文提出以下建议：首先，因地制宜发展数字普惠金融，东部、中部和西部地区根据自身发展状况采取不同措施，为实现共同富裕提供新的动能。其次，重视创新创业的推动作用、发挥好消费的基础性作用、营造数字技术发展新环境，打通金融要素和企业创新的通道，提高金融机构的效率，带动更广阔的区域共同富裕。最后，完善数字普惠金融法律法规，营造良好的政策环境，为实现共同富裕目标提供根本保障。

"Poverty alleviation is not the end, but the starting point of a new life and new struggle", and achieving common prosperity is not only a long-term goal, but also a realistic task. To promote common prosperity, the focus is on solving the problem of development, and finance, as the core of the modern economy, is the blood of economic development. However, the long-term insufficient supply of traditional finance not only cannot meet the extensive financial needs of financially disadvantaged groups, but also restricts the transformation of economic structure and high-quality development, and its time lag and spatial distribution imbalance affect the supply and demand allocation of financial resources. Through the organic combination of digital technology and inclusive finance, digital inclusive finance has further expanded the coverage of inclusive finance, helped financially disadvantaged groups to effectively solve the problem of difficult and expensive financing, and provided strong support for promoting high-quality economic development.

Based on the entropy method to measure the inter-provincial common prosperity index from 2011 to 2021, this paper empirically tests the mechanism and regional heterogeneity of digital inclusive finance on China's common prosperity. The results show that digital inclusive finance can significantly promote common prosperity, and entrepreneurial activities, household consumption and technological innovation play a significant mediating effect;The threshold effect analysis shows that the impact of digital inclusive finance on common prosperity has the nonlinear characteristics of decreasing "marginal effect" and then increasing "marginal effect" with the improvement of the development level of digital inclusive finance> and then increasing "marginal effect";In terms of sub-regions,digital inclusive finance can significantly promote common prosperity in the eastern, central and western regions and the effect is "easterncentral> western The results of sub-regional and sub-mechanism tests show that entrepreneurial activities, household consumption and technological innovation in the eastern region all play an obvious mediating effect in the process of promoting common prosperity through digital inclusive finance, and the mediating effect of entrepreneurial activities is the highest, while only household consumption plays a partial mediating effect in the central region, while the three intermediary variables in the western region fail to effectively play the mediating effect.

Accordingly, this paper puts forward the following suggestions: First, the development of digital inclusive finance should be carried out according to local conditions, and the eastern, central, and western regions should take different measures according to their own development conditions, so as to provide new momentum for achieving common prosperity. Secondly, we should pay attention to the intermediary role of innovation and entrepreneurship in the process of promoting common prosperity through digital inclusive finance, give full play to the role of the basic mechanism of consumption, create a new environment for the development of digital technology, open up the channel of financial elements and enterprise innovation, improve the efficiency of financial institutions, and promote common prosperity in a broader region. Finally, we need to improve laws and regulations on digital inclusive finance, create a good policy environment, and provide a fundamental guarantee for achieving the goal of common prosperity.