数字普惠金融对碳排放的影响机制分析

Analysis of the Impact Mechanism of Digital Inclusive Finance on Carbon Emissions

摘要: 数字普惠金融通过渗入居民收入、企业融资等领域，引起了人们生产和生活模式的转变。通过对2011年至2021年中国30个省份的数据进行分析，得出了数字普惠金融会在抑制碳排放方面发挥积极作用的结论。深入研究影响机制发现，数字普惠金融通过促进企业技术创新，有效地降低了碳排放水平。最后，根据研究结论与数字普惠金融的发展状况，提出三点政策建议：一是深入推进数字普惠金融，二是优化城镇化规划，三是加强科技创新。

Abstract: Digital inclusive finance has caused changes in people’s production and living patterns by infiltrating residents’ income, corporate financing and other fields. An analysis of data from 30 provinces in China from 2011 to 2021 concludes that digital financial inclusion will play a positive role in curbing carbon emissions. An in-depth study of the impact mechanism shows that digital inclusive finance effectively reduces the level of carbon emissions by promoting technological innovation of enterprises. Finally, according to the research conclusions and the development status of digital inclusive finance, three policy suggestions are put forward: one is to further promote digital inclusive finance, the second is to optimize urbanization planning, and the third is to strengthen scientific and technological innovation.