数字普惠金融对地区经济发展的影响研究

With the advent of the Internet era, the application of digital technology in various industries has gradually deepened, and the development of inclusive finance has entered the stage of digital inclusive finance. The application of digital technology has broadened the coverage of financial services, allowing long-tail customers and economically underdeveloped areas to enjoy financial services and resources on an equal basis. It is inferred from this that the development of digital inclusive finance may provide huge opportunities for economically underdeveloped regions. Therefore, based on the digital inclusive financial index, this article uses 2011-2018 inter-provincial panel data to build a system GMM model. The results show that: overall, digital inclusive finance has a "U" that first inhibits and then promotes China\'s economic development; from the perspective of regional differences, digital inclusive finance has an impact on the east The regional economic impact is not prominent, but the economic impact on the central and western regions is more significant. According to the empirical results, this article proposes to improve the real economic efficiency of digital inclusive financial services in terms of product and service innovation, regional differentiation strategies, and improvement of credit reporting and supervision systems.