Research On Regional Heterogeneity Of Digital Inclusive Financial Technology Innovation Effect

Digital inclusive finance is the innovative application of digital Internet technology in the field of inclusive finance.In recent years,the types of digital inclusive financial products in China continue to increase,and the digital inclusive financial index grows rapidly.On the one hand,the rapid development of digital inclusive finance has supplemented the capital needs of small and medium-sized enterprises,and on the other hand,digital inclusive finance has put forward higher requirements on the technical level of small and medium-sized enterprises.Data show that smes contribute 70% of China’s technological innovation,and the emergence of digital inclusive finance will further enhance the technological innovation capacity of smes.From a regional perspective,due to the comprehensive development level,the different factors such as government support,regional small and medium-sized enterprises to obtain digital pratt &whitney financial ability is different,leading to pratt&whitney financial technology innovation effect will exist significant regional heterogeneity characteristics,make plan and will further affect the regional policy and implementation effect.System this paper inspects the pratt &whitney financial technology innovation effect of regional heterogeneity problem,specifically,the main content of this paper include: first of all,on the basis of carding the related theories and literature,from the increase in money supply,increasing competitive pressure,increase the Angle of the wealth effect,analyzes the pratt &whitney financial the mechanism of the effect of technological innovation.Secondly,the paper analyzes the scale,structure and regional distribution of digital inclusive finance from the depth of use,breadth of coverage and degree of digitalization,and analyzes the scale and regional distribution of technological innovation in China from the output perspective of patent application authorization.Thirdly,the samples are divided from two dimensions of comprehensive development level and government support level respectively,and the spatial Dubin model is used to empirically investigate the regional heterogeneity of digital financial inclusion technology innovation effect.The results of empirical test show that digital financial inclusion has a promotion effect on technological innovation at both the national and regional levels,but the promotion effect is different in different regions.From the perspective of comprehensive development level,the technological innovation effect of digital inclusive finance is from high to low in the central region,western region and eastern region.From the perspective of government support,the technological innovation effect of digital inclusive finance is reflected in that regions with lower government support are larger than those with higher government support.Finally,according to the results of theoretical and empirical analysis,countermeasures and suggestions are put forward to promote the development of digital inclusive finance,optimize the technological innovation environment,promote regional coordinated development and strengthen the risk supervision of digital inclusive finance.