Evaluating digital financial inclusion's impact on regional economic efficiency in China

IF 4.8 2区经济学 Q1 BUSINESS, FINANCE

International Review of Economics & Finance Pub Date : 2025-06-26 DOI:10.1016/j.iref.2025.104325

Zhihao Guan , Jian Han

引用次数: 0

Abstract

Digital financial inclusion (DFI) narrows the gap in regional financial services, reshapes regional division of capital and labor, and enhances overall economic efficiency. Therefore, this study examines how DFI affects regional economic efficiency using Chinese provincial panel data from 2011 to 2020. The results show that DFI significantly improves regional economic efficiency measured by technical efficiency (TE), particularly by narrowing the urban–rural income gap and enhancing factor accessibility in vulnerable areas and groups. This effect is more pronounced when supported by well-developed transportation infrastructure and traditional finance and is based on a certain level of economic development. Mechanism analysis confirms that DFI promotes efficiency by stimulating entrepreneurial activity and reducing educational gap.

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数字普惠金融对中国区域经济效率的影响评估

数字普惠金融（DFI）缩小了区域金融服务差距，重塑了区域资本和劳动分工，提高了整体经济效率。因此，本研究使用2011 - 2020年的中国省级面板数据来考察DFI对区域经济效率的影响。结果表明，DFI显著提高了以技术效率（TE）衡量的区域经济效率，特别是在缩小城乡收入差距和提高脆弱地区和群体的要素可及性方面。在发达的交通基础设施和传统金融的支持下，并以一定的经济发展水平为基础，这种效应更为明显。机制分析证实，DFI通过刺激创业活动和缩小教育差距来提高效率。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Review of Economics & Finance Multiple-

CiteScore

7.30

自引率

2.20%

发文量

253

期刊介绍： The International Review of Economics & Finance (IREF) is a scholarly journal devoted to the publication of high quality theoretical and empirical articles in all areas of international economics, macroeconomics and financial economics. Contributions that facilitate the communications between the real and the financial sectors of the economy are of particular interest.