| In recent years,digital technology enabling inclusive finance has opened up a new path for the development of traditional inclusive finance.On the one hand,traditional finance is limited by time and space,the breadth and depth of financial services are not enough,and the economic development between different cities and between urban and rural areas is unbalanced,which leads to the lack of financial resources in some economically underdeveloped and remote areas and the difficulty of meeting financial needs.Digital inclusive finance implements the inclusive theory,covers the"long tail" that traditional inclusive finance cannot cover,and enables all types of market entities to enjoy financial services more conveniently and equally.It effectively makes up for the shortcomings of the traditional inclusive finance development mode,especially to promote the development of "agriculture,rural areas",small,medium and micro enterprises and other key areas.It has effectively improved the level of financial services in weak links,narrowed the gap between the rich and the poor and the financial inclusion gap among different regions,and promoted the realization of common prosperity and greater social equity.On the other hand,our foreign trade development faces the dilemma of "big but not strong".The export products are mostly labor-intensive products,and the export enterprises lack innovation ability and brand awareness.Small,medium and micro enterprises are faced with financing constraints due to information asymmetry.Lack of financial support makes start-up enterprises unable to carry out technological innovation,so the technological content of export products is not high.Digital inclusive finance injects vitality into small and medium-sized enterprises through digital banking,online credit and other channels,accurately provides appropriate financial products and services,reduces the financing cost of enterprises,carries out innovative research and development activities for enterprises,and escorts product and technology upgrading.After reviewing and sorting out relevant literature,this paper explores the influence of digital inclusive finance on the technological complexity of export.Firstly,from the theoretical level,the influence mechanism of digital financial inclusion on export technology complexity,regional heterogeneity and dimension heterogeneity of digital financial inclusion were explored,and corresponding hypotheses were proposed.Next,this paper analyzes the development status of digital inclusive finance and urban export technology complexity.Finally,urban panel data from 2011 to 2018 was used to make an empirical analysis of the impact of digital inclusion finance on the complexity of export technology.On this basis,the heterogeneity of the impact of digital inclusion finance on the complexity of export technology was analyzed in different regions and different dimensions,and the important path of the impact of digital inclusion finance on the complexity of export technology was explored through the intermediary effect model.Through the empirical analysis,the following results are obtained:Digital inclusive finance can significantly improve the export technology complexity of cities,and it shows regional heterogeneity.Digital inclusive finance has the most obvious promoting effect on the export technology complexity of cities in eastern region,followed by cities in western region.The increase of coverage breadth and use depth of digital inclusive finance will promote the improvement of technical complexity of urban export.The intermediary effect shows that technological innovation is an important way for digital inclusive finance to promote the technological complexity of urban export.Based on the above conclusions,this paper puts forward suggestions that China should promote the all-round development of digital finance,improve the regulatory system of digital inclusive finance,and enhance the impetus of enterprise innovation and research and development. |
PDF Full Text Request