数字普惠金融对共同富裕的影响研究

Research on the Impact of Digital Financial Inclusion on Common Prosperity

摘要: 目前，我国依然面临发展不平衡、不充分的问题，亟需加快构建新发展格局。数字普惠金融作为金融与数字技术深度融合的产物，以其广覆盖、低成本、高效率的特征，为缓解金融排斥、促进资源优化配置、推动经济包容性增长提供了新路径。基于2011~2023年全国31个省级行政区的面板数据，熵权法构建共同富裕综合评价指标体系，运用双项固定效应模型、中介效应模型等方法，实证检验数字普惠金融对共同富裕的影响及其作用机制。

Abstract: At present, China still faces the issues of unbalanced and inadequate development, urgently necessitating the acceleration of building a new development pattern. As a product of the deep integration of finance and digital technology, digital financial inclusion, with its characteristics of wide coverage, low cost, and high efficiency, provides a new pathway for alleviating financial exclusion, optimizing resource allocation, and promoting inclusive economic growth. Based on panel data from 31 provincial-level administrative regions in China from 2011 to 2023, this study constructs a comprehensive evaluation index system for common prosperity using the entropy weight method. It empirically examines the impact of digital financial inclusion on common prosperity and its underlying mechanisms by employing methods such as the two-way fixed effects model and the mediating effect model.