关键词:
数字普惠金融
东西部协作
比较优势
后发优势
摘要:
本文从新结构经济学的视角,探讨数字普惠金融下的东西部协作,以贵州省为例分析。新结构经济学强调经济发展应考虑到各地的资源禀赋,随着数字化技术的进步,数字普惠金融作为一种创新的金融服务模式,通过提高金融服务的覆盖面和便利性缩小地区发展差距。本文首先梳理东西部协作对贵州三个阶段的影响,结合数字普惠金融指数分析数字普惠金融对贵州省经济发展的作用,发现数字普惠金融能有效推动贵州省经济增长、缩小城乡收入差距,且数字化程度对城乡收入差距的影响更大。最后提出政策建议,贵州省应充分发挥比较优势,挖掘后发优势,加强数字金融基础设施建设,优化跨区域金融合作机制,使东西部协助走向共赢,进一步释放国内循环潜力,助力形成双循环的新发展格局。From the perspective of new structural economics, this paper discusses the cooperation between the east and the west under digital inclusive finance, taking Guizhou Province as an example. New structural economics emphasizes that economic development should take into account the resource endowment of various places. With the progress of digital technology, digital inclusive finance, as an innovative financial service model, narrates the regional development gap by improving the coverage and convenience of financial services. This paper first sorted out the impact of the cooperation between the east and the west on the three stages of Guizhou province, analyzed the role of digital inclusive finance on the economic development of Guizhou province combined with PKU_DFIIC, and found that digital inclusive finance can effectively promote the economic growth of Guizhou province and narrow the urban-rural income gap, and the degree of digitalization has a greater impact on the urban-rural income gap. Finally, it puts forward policy suggestions that Guizhou Province should give full play to its comparative advantages, tap the latecomer’s advantage, strengthen the construction of digital financial infrastructure, optimize the cross-regional financial cooperation mechanism, make the eastern and western cooperation towards win-win situation, further release the domestic recycling potential, and help form a new development pattern of double cycle.