重庆文理学院学报（社会科学版）2025，Vol.44Issue(5)：59-75,17.DOI:10.19493/j.cnki.issn1673-8004.2025.05.005
数字普惠金融赋能统一大市场建设:理论机制与实证分析
Digital Inclusive Finance Empowering the Construction of a Unified Big Market:Theoretical Mechanisms and Empirical Analysis
摘要
Abstract
The construction of a unified national big market is pivotal for building a new development pattern and promoting high-quality economic development.Taking advantage of the new kinetic energy of digital inclusive finance is of great significance in realizing the optimal allocation of factor market resources and accelerating the construction of a unified domestic big market.Employing China's provincial panel data from 2011 to 2021,the article adopts empirical methods to focus on the impact and internal mechanism of digital inclusive finance on the construction of a unified big market from the triple perspectives of dimension,threshold and space.The research reveals that digital inclusive finance can signifi-cantly weaken the regional market segmentation and effectively promote the construction of a unified big market,and this conclusion still holds after taking endogeneity into account;the effect is heterogeneous in terms of region,time and level of marketization.The results of the mechanism test show that enhancing innovation,reshaping financial factors and expanding residents' consumption play an important role in the construction of a unified big market empowered by digital inclusive finance.The further study shows that there is a threshold effect based on the level of human capital between digital inclusive finance and the construction of a unified market;When considering the spatial dimension,it is found that the enabling effect of digital inclusive finance on the construction of a unified market has a significant spatial spillover effect.During the 14th Five-Year Plan period,priority actions on digital financial inclusion should continue to be imple-mented to promote the construction of an integrated market.关键词
数字普惠金融/统一大市场建设/市场分割/溢出效应Key words
digital inclusive finance/unified national market/market segmentation/spillover effect分类
管理科学引用本文复制引用
江永红,冯会娴..数字普惠金融赋能统一大市场建设:理论机制与实证分析[J].重庆文理学院学报（社会科学版）,2025,44(5):59-75,17.基金项目
国家社会科学基金一般项目"中国传统小农户向现代小农户转型研究"(21BJY025). （21BJY025）
