数字普惠金融对江苏省科技创新水平的影响研究

毕业设计（论文）中文摘要数字普惠金融对江苏省区域科技创新水平的影响研究摘要：科技创新是推动经济发展的主要引擎之一，创新活动离不开资金支持，国内融资渠道十分受限，数字普惠金融应运而生，能够补足传统金融的短板，有效增强金融服务的普惠性。江苏省地理位置优越，是我国创新能力和创新发展水平最高的地区之一，研究数字普惠金融对江苏省区域科技创新水平的影响具有一定的现实意义。文章基于2011年-2021年数字普惠金融指数和科技创新水平的面板数据，采用面板分位数回归模型探究了数字普惠金融对江苏省科技创新水平的影响。研究发现：在中高分位数下，数字普惠金融对江苏省的科技创新水平影响较为显著：数字普惠金融对江苏省苏南、苏中、苏北城市科技创新水平存在异质性。因此，发展数字普惠金融，对江苏省各城市因地制宜，实行适合的政策，能够促进江苏省科技创新水平的提高。关键词：数字普惠金融：区域科技创新：面板分位数模型毕业设计（论文）外文摘要Research on the influence of digital inclusive finance on the level ofregional scientific and technological innovation in Jiangsu ProvinceAbstract:Scientific and technological innovation is one of the main engines topromote economic development.Innovation activities cannot be separated fromfinancial support.Domestic financing channels are very limited.The geographicallocation of Jiangsu province is one of the regions with the highest innovation abilityand innovative development level.It is of practical significance to study the influenceof digital inclusive finance on the regional technological innovation level of JiangsuProvince.Based on the panel data of digital financial inclusion index and scientificand technological innovation level from 2011 to 2021,this paper uses panel quantityregression model to explore the impact of digital financial inclusion on scientific andtechnological innovation level in Jiangsu Province.The results show that digitalinclusive finance has a significant impact on the scientific and technologicalinnovation level of all cities in Jiangsu Province in the middle and high digits.Digitalinclusive finance has heterogeneity on the level of technological innovation insouthern Jiangsu,central Jiangsu and northern Jiangsu cities.Therefore,thedevelopment of digital inclusive finance and the implementation of appropriatepolicies for various cities in Jiangsu Province can promote the improvement ofscientific and technological innovation level in Jiangsu Province.Keywords:Digital financial inclusion;Regional scientific and technologicalinnovation;Panel quantity model目录1绪论1.1研究背景…1.2研究意义22文献综述.32.1关于数字普惠金融的研究.32.2关于区域科技创新的研究…32.3关于数字普惠金融与区域科技创新的研究43数字普惠金融对区域科技创新水平影响的理论分析.63.1数字普惠金融对江苏省科技创新水平的影响63.2数字普惠金融对江苏省各区域的科技创新水平的影响..64数字普惠金融对江苏省区域科技创新水平影响的实证研究74.1变量的选取与说明…………4.2数据来源84.3模型设定..94.4稳健性检验。。。e。。。。。e。。。。e。。e。。e。。n。。e。e。e。。。ss4.0。。0。。4se4.0 wa.ca4。。。。。。。4.5数字普惠金融指数对江苏省科技创新水平影响的估计.104.6异质性讨论.124.7实证结论.165相关建议...17结论与展望18致谢.19参考文献20