数字普惠金融对长三角地区实体经济的影响分析——基于技术创新的调节效应

Analysis of the Impact of Digital Inclusive on the Real Economy in the Yangtze River Delta Region—Based on the Moderating Effect of Technological Innovation

摘要: 本课题基于2011~2021年我国长三角地区27个市级面板数据，选取数字普惠金融指数对长三角地区实体经济进行研究，引入调节变量技术创新，运用系统GMM估计方法和调节效应检验等研究长三角地区实体经济与数字普惠金融间关系。研究显示，数字普惠金融通过技术创新的调节作用，对长三角地区实体经济的发展具有显著促进作用。

Abstract: Based on the panel data of 27 cities in the Yangtze River Delta region from 2011 to 2021, this paper selects the digital inclusive finance index to study the real economy in the Yangtze River Delta region, introduces the technological innovation of moderating variables, and studies the relationship between the real economy and digital inclusive finance in the Yangtze River Delta region by using systematic GMM estimation method and moderating effect test. The research shows that digital inclusive finance has a significant role in promoting the development of the real economy in the Yangtze River Delta region through the adjustment of technological innovation.