福建省数字普惠金融的影响因素及其应对

The Influencing Factors and Response of Dig-ital Inclusive Finance in Fujian Province

摘要: 数字普惠金融自提出以来备受社会的关注，而目前相关研究皆是基于全国视角，县域研究较为匮乏。为丰富相关研究，本文基于北大数字普惠金融指数，分析福建省的数字普惠金融发展状况，发现近年来福建省数字普惠金融水平增长迅速，但存在区域发展不平衡；通过面板模型对影响因素进行研究，发现人均GDP、私营企业法人单位数、互联网普及率、财政支出对福建省数字普惠金融具有显著的正向影响，而城乡收入差距则不利于福建省数字普惠金融的均衡发展；最后本文根据以上研究结果提出相关政策应对措施。

Abstract: Digital financial inclusion has attracted social attention since it was proposed, the current research is based on a national perspective, county-level research is relatively scarce. In order to enrich the related studies, based on the Peking University Digital Financial Inclusion Index, this paper analyzes the development status of digital inclusive finance in Fujian Province. In recent years, the level of digital inclusive finance has grown rapidly in Fujian Province. However, there is an unbalanced regional development; The influencing factors were studied through the panel model, It is found that the per capita GDP, the number of private enterprises, the Internet penetration rate and the fiscal expenditure have a significant positive impact on the digital inclusive finance in Fujian Province, The income gap between urban and rural areas is not conducive to the balanced development of digital inclusive finance in Fujian Province; Finally, this paper puts forward the relevant policy countermeasures according to the above research results.