当代金融研究2026，Vol.9Issue(4)：46-60,15.DOI:10.20092/j.cnki.ddjryj.2026.04.005
"宽带中国"试点政策对数字普惠金融使用深度的影响研究
Research on the Impact of Broadband China Pilot Policy on the Usage Depth of Digital Financial Inclusion
摘要
Abstract
The"Broadband China"strategy,as a national strategic public infrastruc-ture,provides strong support for the development of digital financial inclusion.Em-ploying a multi-period difference-in-differences model based on panel data from 292 prefecture-level cities in China from 2011 to 2023,this paper analyzes the impact of the Broadband China Pilot Policy on the usage depth of digital financial inclusion and its underlying mechanisms.The findings indicate that the Broadband China pilot policy has significantly enhanced the usage depth of digital financial inclusion,with both per capita disposable income and internet penetration rate serving as positive mediating channels.From the perspective of dimensional decomposition,the policy effect exhibits significant structural heterogeneity,with the most prominent en-hancement observed in low-threshold,high-frequency payment services,while the empowerment effect on deeper financial services such as credit and insurance has not yet fully manifested.Heterogeneity analysis reveals that the policy effect is more pronounced in regions with high financial development levels,resource-based cities,and areas with high educational attainment.Therefore,coordinate advance-ment of balanced broadband infrastructure layout,strengthening the leading role of payment functions,implementing region-specific differentiated policies,and broade-ning residents' income-increasing channels through digital infrastructure are criti-cally important for further releasing the potential of digital financial inclusion.关键词
"宽带中国"试点政策/数字普惠金融/使用深度/宽带基础设施Key words
"Broadband China"Pilot Policy/Digital Financial Inclusion/Usage Depth/Broadband Infrastructure分类
管理科学引用本文复制引用
何秋洁,王婧,陈国庆.."宽带中国"试点政策对数字普惠金融使用深度的影响研究[J].当代金融研究,2026,9(4):46-60,15.基金项目
国家社会科学基金一般项目"知识嵌入性视角下科技驱动产业集群升级的模式差异与路径选择研究"(18BJY097) （18BJY097）
达州市社科联重点研究基地数学与金融研究中心项目"新质生产力对达州金融高质量发展的效应测度"(SCMF202505) （SCMF202505）
四川省高校人文社科重点研究基地西部生态文明研究中心项目"生态文明建设背景下四川绿色金融与绿色产业协同发展研究"(XBST2025-ZC002) （XBST2025-ZC002）
四川省教育厅人文社会科学重点研究基地四川民族山地经济发展研究中心项目"新质生产力驱动攀西地区康养产业高质量发展研究"(SDJJ202540). （SDJJ202540）
