数字普惠金融对我国跨境电商的影响研究

Research on the Impact of Digital Inclusive Finance on Cross-Border E-Commerce in China

摘要: 近年来，我国跨境电商发展迅速，依靠新兴的网络信息技术开展对外贸易取得了一定成果，而数字普惠金融也凭借着电子信息技术更便捷地为小微企业提供了获取金融服务的渠道。本文基于2013~2019年284个城市的数字普惠金融发展指数及国际、港澳台快递数量的面板数据来分析我国数字普惠金融和跨境电商的发展现状，对数字普惠金融影响跨境电商做系统性评估，探究数字普惠金融影响跨境电商的影响机制及具体影响。本文将数字普惠金融与我国跨境电商的发展联系起来，为促进我国跨境电商的发展提供了新思路。

Abstract: In recent years, China’s cross-border e-commerce has developed rapidly, relying on the emerging network information technology to carry out foreign trade has achieved certain results, and digital inclusive finance also provides more convenient channels for small and micro enterprises to obtain financial services by virtue of electronic information technology. Based on the Digital Inclusive Finance Development Index of 284 cities from 2013 to 2019 and the panel data of the number of international, Hong Kong, Macao and Taiwan express delivery, this paper analyzes the development status of digital inclusive finance and cross-border e-commerce in China, makes a systematic assessment of the impact of digital inclusive finance on cross-border e-commerce, and explores the impact mechanism and specific impact of digital inclusive finance on cross-border e-commerce. This paper links digital inclusive finance with the development of cross-border e-commerce in China, providing new ideas for promoting the development of cross-border e-commerce in China.