Research On The Mechanism And Path Of Digital Inclusive Finance And New-Type Urbanization Coupling Driving Common Prosperity

Under the background of the third scientific and technological revolution based on the Internet,how to promote all the people to build and share common prosperity is an urgent problem to be solved in China.Finance is the core of modern economy,which can adjust the relationship between market supply and demand,improve the efficiency of resource allocation and stimulate economic vitality.With the continuous improvement of the quality and efficiency of the development of digital inclusive finance,digital inclusive finance is of great significance in promoting economic development,narrowing the gap between urban and rural areas,reducing poverty and other issues,and helps to alleviate the problem of uneven and inadequate development.it is an important means to promote common prosperity.The new-type urbanization strategy is an important part of Chinese-style modernization.promoting the new-type urbanization with people as the core and improving the construction quality of new-type urbanization is not only the greatest potential of domestic demand and the momentum of deepening supply-side structural reform,but also an important support for building a new development pattern and promoting high-quality development.The new-type urbanization focuses on farmers and covers rural areas,and accelerating the new-type urbanization strategy can help the revitalization of rural areas,promote China’s long-term,steady and rapid economic development and social harmony and progress,and achieve common prosperity for all the people.From the perspective of digital inclusive finance and new-type urbanization,this thesis explores the mechanism and path of common prosperity driven by the coupling of digital inclusive finance and new-type urbanization,and analyzes the impact of the coordinated development of digital inclusive finance and new-type urbanization on common prosperity,in order to promote the integrated development of digital inclusive finance and new-type urbanization,and promote common prosperity in high-quality development.First of all,this thesis constructs a new index evaluation system for the development level of urbanization from six dimensions: population urbanization,economic urbanization,infrastructure equalization,public service equalization,quality of life urbanization and resource and environmental sustainability.Construct the index evaluation system of common prosperity development level from the three dimensions of "commonality,richness and sustainability".Entropy method and principal component analysis are used to measure the development level of new-type urbanization and common prosperity,and the coupling coordination model is used to measure the coupling coordination level of digital inclusive finance and new-type urbanization.Secondly,the dynamic panel generalized moment estimation model,intermediary effect model and spatial panel Durbin model are constructed to analyze the dynamic and spatial effects of common prosperity driven by the coupling of digital inclusive finance and new-type urbanization.And explore the intermediary effect of the coordinated development of digital inclusive finance and new-type urbanization driving common prosperity.Finally,based on the results of theoretical analysis,current situation in China and empirical analysis,this thesis provides an optimization strategy for the coupling of digital inclusive finance and new-type urbanization to drive common prosperity.The study found that:(1)from 2011 to 2020,the development level of digital inclusive finance in China increased by 752.96%,the development level of new-type urbanization increased by 66.67%,the coupling coordination level of digital inclusive finance and new-type urbanization increased by 102.70%,and the development level of common prosperity increased by 68.18%.Digital inclusive finance,new-type urbanization and common prosperity have all achieved great-leap-forward development.From the perspective of spatial evolution pattern,there is a phenomenon of uneven development among digital inclusive finance,new-type urbanization and common prosperity,and the eastern region and coastal areas have a higher level of development.(2)through the analysis of the dynamic effect of digital inclusive finance and new-type urbanization coupling driving common prosperity,digital inclusive finance,new-type urbanization and their coupling coordination level significantly promote the development of common prosperity.Compared with digital inclusive finance and new-type urbanization acting on common prosperity alone,their coupling and coordination have a higher degree of impact on common prosperity,and the conclusion is still valid after robustness test.Through the intermediary effect test,we can know that the coupling and coordinated development of digital inclusive finance and new-type urbanization can promote the development of common prosperity by improving the innovation and entrepreneurship level of digital economy.(3)through the analysis of the spatial effect of the coupling of digital inclusive finance and new-type urbanization driving common prosperity,the inter-regional spillover effect has a significant impact on the development level of common prosperity of Chinese provinces.the improvement of the coordination level of the coupling of digital inclusive finance and new-type urbanization plays a significant role in promoting the development level of common prosperity of this province and its neighboring provinces.Therefore,it is necessary to promote the development of digital inclusive finance in an orderly manner,deeply implement the new-type urbanization strategy of "taking people as the core",strengthen the integrated development of digital inclusive finance and new-type urbanization,and improve the innovative and entrepreneurial level of digital economy.we will promote balanced and coordinated regional development and promote common prosperity on the road of Chinese-style modernization.