数字普惠金融赋能电子商务交易发展的研究

Research on the Empowerment of Digital Inclusive Finance in the Development of E-Commerce Transaction Growth

摘要: 在全球化和数字经济蓬勃发展的背景下，我国数字普惠金融发展已融入各个产业，对经济社会产生不同作用。而电子商务作为一种新兴经济模式，已被广泛认为是推动全球经济发展的重要引擎。通过文献梳理和理论研究，认为当前我国电子商务发展存在数字鸿沟、区域发展不平衡的问题。基于理论分析之上，进一步利用2013~2023年省级面板数据，采用固定效应模型实证检验了数字普惠金融发展对电子商务交易规模的影响，研究发现数字普惠金融的发展对于电子商务交易具有明显的促进作用，经稳健性检验后，这一结论仍然具有意义。最后根据研究结论，从数字金融基础建设、数字普惠金融与电子商务协同发展等方面提出相关的建议。

Abstract: Against the backdrop of globalization and the rapid growth of the digital economy, digital inclusive finance in China has become deeply integrated into various industries, exerting diverse impacts on economic and social development. As an emerging economic model, e-commerce has been widely recognized as a vital engine for global economic growth. Through literature review and theoretical analysis, this study identifies key challenges in China’s e-commerce development, including the digital divide and regional disparities. Building on theoretical foundations, this paper further employs provincial panel data from 2013 to 2023 and applies a fixed-effects model to empirically examine the impact of digital inclusive finance on e-commerce transaction volume. The findings reveal that the development of digital inclusive finance significantly promotes e-commerce transactions, a conclusion that remains robust after rigorous sensitivity tests. Finally, based on the research findings, relevant recommendations are proposed regarding digital financial infrastructure, the coordinated development of digital inclusive finance and e-commerce, and other aspects.