统计研究

高质量发展具有多维属性已经得到广泛共识,如何推动高质量发展成为当前我国面临的重大现实问题。以提供普惠服务和精准服务为核心价值的数字金融借助一系列数字技术,为金融体系改革和创新开辟了新的道路,从而成为服务经济高质量发展的重要力量。通过建立以结构合理的产业体系、创新有序的市场体系、高效公平的分配体系、协调平衡的区域发展体系、绿色友好的生态体系以及全面多元的开放体系为框架的高质量发展评价体系,本文对我国2012-2017年30个省份(不含西藏)的高质量发展水平进行了评价,并结合北京大学数字金融指数建立回归模型。实证检验发现,数字金融确实能够促进高质量发展,而基于不同高质量发展指数和互联网金融包容指数的稳健性检验也肯定了这一结论。进一步分析发现,数字金融通过缓解企业融资约束提升了区域创新水平和对外开放水平,利用普惠服务的核心属性协调区域发展确保发展成果为全民共享,证实了其促进高质量发展的作用机制。加强数字基础设施建设,包容数字金融创新发展,强化数字金融监管的靶向性,有助于数字金融在高质量发展中发挥更大作用。

It has been widely agreed that high-quality development has multi-dimensional attributes. How to promote high-quality development has become a major practical problem in China. With the core value of providing inclusive and precise services,digital finance,with a series of digital technologies,has opened up a new path for the reform and innovation of the financial system,thus becoming an important force to serve the high-quality development of economy. By establishing a high-quality development evaluation system based on the five development concepts—well-structured industrial system,innovative and orderly market system,efficient and fair distribution system,coordinated and balanced regional development,green and friendly ecosystem,and comprehensive and diverse opening-up system,this paper evaluates the high-quality development level of 30 provinces( excluding Tibet) in China from 2012 to 2017,and establishes a regression model by combining the digital finance index of Peking University. The empirical test finds that digital finance can indeed promote highquality development,and the robustness test based on different high-quality development indexes and internet financial inclusion index also confirms this conclusion. Further analysis shows that digital finance can significantly promote regional innovation and opening-up by easing the constraint of enterprise financing,coordinate regional development through its core of inclusive services to ensure the development outcomes are shared by all, thus proving the mechanism of promoting high-quality development. Strengthening the construction of digital infrastructure,providing a relaxed environment for innovation of digital finance,and improving the pertinence of digital financial supervision will help digital finance play a greater role in highquality development.