山区县域数字普惠金融赋能农业全要素生产率提升研究——以浙江省山区26县为例

doi:10.3969/j.issn.1004-1524.20230953

浙江农业学报 ›› 2024, Vol. 36 ›› Issue (9): 2155-2169.DOI: 10.3969/j.issn.1004-1524.20230953

山区县域数字普惠金融赋能农业全要素生产率提升研究——以浙江省山区26县为例

郭梦婷()

浙江金融职业学院会计学院,浙江杭州 310018

收稿日期:2023-08-07 出版日期:2024-09-25 发布日期:2024-09-30
作者简介:郭梦婷(1994—),女,浙江舟山人,硕士,讲师,研究方向为数字金融、农村金融。E-mail:251430350@qq.com
基金资助:
浙江省哲学社会科学规划青年课题(24NDQN19Z)

Research on empowering agricultural total factor productivity with digital inclusive finance in mountainous counties: taking 26 mountainous counties in Zhejiang Province of China as an example

GUO Mengting()

School of Accountancy, Zhejiang Financial College, Hangzhou 310018, China

Received:2023-08-07 Online:2024-09-25 Published:2024-09-30

摘要/Abstract

摘要：

数字普惠金融作为数智化时代下金融产业的新业态,是优化金融资源配置、赋能山区金融发展、提高农业生产效益的重要助力。文章基于2014—2021年我国浙江省山区26县的县域面板数据,运用 DEA-Malmquist 指数法测算出其农业全要素生产率及分解指标,构建固定效应模型实证检验数字普惠金融对农业全要素生产率的影响,并进行异质性分析。结果表明,浙江省山区26县数字普惠金融及其三类细分维度均对农业全要素生产率具有正向促进作用,且主要体现在推动农业技术进步;从各维度看,对农业全要素生产率促进作用最强的是数字普惠金融产品和服务的使用深度,覆盖广度次之,数字化程度最弱;同时,数字普惠金融在浙江省山区26县的西部地带的提升作用更强。为此,应加快推动数字普惠金融在山区县域的发展与覆盖,深入完善数字普惠金融基础设施建设,着力提升数字普惠金融受众群体素养,为提高农业全要素生产率增势赋能。

关键词: 数字普惠金融, 农业全要素生产率, 山区县域, DEA-Malmquist指数

Abstract:

Digital inclusive finance, as a new form of financial industry in the era of digital intelligence, is an important support for optimizing financial resource allocation, empowering financial development in mountainous areas, and improving agricultural production efficiency. Based on the county panel data of 26 mountainous counties in Zhejiang Province from 2014 to 2021, this paper used DEA Malmquist index method to measure and calculate agricultural total factor productivity and its decomposition indicators, and then constructed a fixed effect model to empirically test the impact of digital inclusive finance on agricultural total factor productivity, and conducted a heterogeneity analysis. The results indicated that digital inclusive finance and its three sub dimensions in 26 mountainous counties of Zhejiang Province had a positive promoting effect on agricultural total factor productivity, mainly reflected in promoting agricultural technological progress. From various dimensions,the strongest promoting effect on agricultural total factor productivity was the depth of use of digital inclusive financial products and services, followed by the breadth of coverage, and the weakest degree of digitization. Meanwhile, the promotion role of digital inclusive finance was stronger in the western region of 26 mountainous counties in Zhejiang Province. To this end, it is necessary to accelerate the development and coverage of digital inclusive finance in mountainous counties, deepen the construction of digital inclusive finance infrastructure, focus on improving the literacy of the digital inclusive finance audience, and empower the improvement of agricultural total factor productivity.

Key words: digital inclusive finance, agricultural total factor productivity, mountainous counties, DEA Malmquist index

中图分类号:

F323

郭梦婷. 山区县域数字普惠金融赋能农业全要素生产率提升研究——以浙江省山区26县为例[J]. 浙江农业学报, 2024, 36(9): 2155-2169.

GUO Mengting. Research on empowering agricultural total factor productivity with digital inclusive finance in mountainous counties: taking 26 mountainous counties in Zhejiang Province of China as an example[J]. Acta Agriculturae Zhejiangensis, 2024, 36(9): 2155-2169.

图/表 9

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县域County	2014	2015	2016	2017	2018	2019	2020	2021	平均Average
淳安Chun’an	1.056	1.115	1.184	1.184	1.184	1.259	1.269	1.339	1.199
永嘉Yongjia	1.000	1.057	1.221	1.373	1.535	1.660	1.745	2.006	1.450
平阳Pingyang	1.016	1.119	1.246	1.274	1.291	1.420	1.562	1.362	1.286
苍南Cangnan	1.062	1.122	1.209	1.240	1.254	1.007	1.425	1.460	1.223
文成Wencheng	1.111	1.247	1.364	1.465	1.475	1.497	1.512	1.488	1.395
泰顺Taishun	1.004	1.138	1.153	1.242	1.203	1.390	1.458	1.375	1.245
武义Wuyi	1.036	1.039	1.077	1.258	1.466	1.578	1.194	1.196	1.231
磐安Pan’an	1.091	1.112	1.041	0.979	1.011	1.059	1.081	1.087	1.058
江山Jiangshan	0.995	1.004	1.022	0.894	0.944	1.037	1.132	1.070	1.012
常山Changshan	1.059	1.211	1.323	1.577	1.720	1.825	1.951	2.054	1.590
开化Kaihua	1.038	1.049	1.052	1.338	1.465	1.414	1.653	1.584	1.324
龙游Longyou	1.003	0.927	1.092	1.164	1.049	1.169	1.252	1.081	1.092
三门Sanmen	1.000	1.057	1.221	1.373	1.535	1.660	1.745	2.006	1.450
天台Tiantai	1.047	1.116	1.178	1.147	1.224	1.370	1.733	1.698	1.314
仙居Xianju	0.998	1.006	1.082	0.939	1.016	1.241	1.540	1.563	1.173
龙泉Longquan	1.056	1.105	1.210	1.331	1.370	1.449	1.537	1.517	1.322
青田Qingtian	1.068	1.100	2.262	1.259	1.304	1.471	1.473	1.440	1.422
云和Yunhe	1.080	1.152	1.234	1.253	1.303	1.341	1.347	1.166	1.235
缙云Jinyun	1.080	1.115	1.199	1.469	1.514	1.584	1.717	1.718	1.425
遂昌Suichang	1.043	1.063	1.089	1.102	1.053	1.151	1.125	1.062	1.086
松阳Songyang	1.046	1.067	1.142	1.062	1.102	1.222	1.284	1.314	1.155
景宁Jingning	1.041	1.056	1.175	1.145	1.156	1.220	1.299	1.268	1.170
平均值Average	1.042	1.090	1.217	1.230	1.281	1.365	1.456	1.448
最小值Min	0.995	0.927	1.022	0.894	0.944	1.007	1.081	1.062
最大值Max	1.111	1.247	2.262	1.577	1.720	1.825	1.951	2.054

县域County	2014	2015	2016	2017	2018	2019	2020	2021	平均Average
淳安Chun’an	1.056	1.115	1.184	1.184	1.184	1.259	1.269	1.339	1.199
永嘉Yongjia	1.000	1.057	1.221	1.373	1.535	1.660	1.745	2.006	1.450
平阳Pingyang	1.016	1.119	1.246	1.274	1.291	1.420	1.562	1.362	1.286
苍南Cangnan	1.062	1.122	1.209	1.240	1.254	1.007	1.425	1.460	1.223
文成Wencheng	1.111	1.247	1.364	1.465	1.475	1.497	1.512	1.488	1.395
泰顺Taishun	1.004	1.138	1.153	1.242	1.203	1.390	1.458	1.375	1.245
武义Wuyi	1.036	1.039	1.077	1.258	1.466	1.578	1.194	1.196	1.231
磐安Pan’an	1.091	1.112	1.041	0.979	1.011	1.059	1.081	1.087	1.058
江山Jiangshan	0.995	1.004	1.022	0.894	0.944	1.037	1.132	1.070	1.012
常山Changshan	1.059	1.211	1.323	1.577	1.720	1.825	1.951	2.054	1.590
开化Kaihua	1.038	1.049	1.052	1.338	1.465	1.414	1.653	1.584	1.324
龙游Longyou	1.003	0.927	1.092	1.164	1.049	1.169	1.252	1.081	1.092
三门Sanmen	1.000	1.057	1.221	1.373	1.535	1.660	1.745	2.006	1.450
天台Tiantai	1.047	1.116	1.178	1.147	1.224	1.370	1.733	1.698	1.314
仙居Xianju	0.998	1.006	1.082	0.939	1.016	1.241	1.540	1.563	1.173
龙泉Longquan	1.056	1.105	1.210	1.331	1.370	1.449	1.537	1.517	1.322
青田Qingtian	1.068	1.100	2.262	1.259	1.304	1.471	1.473	1.440	1.422
云和Yunhe	1.080	1.152	1.234	1.253	1.303	1.341	1.347	1.166	1.235
缙云Jinyun	1.080	1.115	1.199	1.469	1.514	1.584	1.717	1.718	1.425
遂昌Suichang	1.043	1.063	1.089	1.102	1.053	1.151	1.125	1.062	1.086
松阳Songyang	1.046	1.067	1.142	1.062	1.102	1.222	1.284	1.314	1.155
景宁Jingning	1.041	1.056	1.175	1.145	1.156	1.220	1.299	1.268	1.170
平均值Average	1.042	1.090	1.217	1.230	1.281	1.365	1.456	1.448
最小值Min	0.995	0.927	1.022	0.894	0.944	1.007	1.081	1.062
最大值Max	1.111	1.247	2.262	1.577	1.720	1.825	1.951	2.054

变量 Variable type	变量名 Variable name	定义 Definition	均值 Mean value	标准差 Standard deviation	最小值 Minimum value	最大值 Maximum value
被解释变量 Explained variable	lnAtfp	农业全要素生产率取对数 Logarithm of agricultural total factor productivity	0.222	0.181	-0.076	0.720
	lnTech	农业技术进步取对数 Logarithm of agricultural technological progress	0.453	0.287	0.029	0.998
	lnEff	农业技术效率变动取对数 Logarithm of changes in agricultural technology efficiency	-0.230	0.225	-0.876	0.092
解释变量 Explanatory variable	lnDifi	数字普惠金融指数取对数 Logarithm of the digital inclusive finance index	4.687	0.161	4.233	4.877
	lnCov	数字普惠金融覆盖广度指数取对数 Logarithm of coverage breadth of digital inclusive finance	4.594	0.079	4.331	4.877
	lnDep	数字普惠金融使用深度指数取对数 Logarithm of depth of use of digital inclusive finance	4.925	0.248	4.312	5.238
	lnDig	数字普惠金融数字化程度指数取对数 Logarithm of degree of digitalization of digital inclusive finance	4.312	0.659	2.302	4.863
控制变量 Control variable	Gdp	人均生产总值/万元 Per capita gross domestic product×10⁴ yuan	5.269	1.420	1.805	7.973
	Popul	人口密度/(万人·km^-2) Population density/(10 000 people·km^-2)	0.030	0.023	0.009	0.108
	Traff	交通便利程度/(km·万人^-1) Transportation convenience/(km per 10 000 people)	45.917	25.568	6.911	116.695
	Innov	区域创新水平/(项·万人^-1) Regional innovation level/(items per 10 000 people)	21.188	17.708	4.039	120.200

变量 Variable type	变量名 Variable name	定义 Definition	均值 Mean value	标准差 Standard deviation	最小值 Minimum value	最大值 Maximum value
被解释变量 Explained variable	lnAtfp	农业全要素生产率取对数 Logarithm of agricultural total factor productivity	0.222	0.181	-0.076	0.720
	lnTech	农业技术进步取对数 Logarithm of agricultural technological progress	0.453	0.287	0.029	0.998
	lnEff	农业技术效率变动取对数 Logarithm of changes in agricultural technology efficiency	-0.230	0.225	-0.876	0.092
解释变量 Explanatory variable	lnDifi	数字普惠金融指数取对数 Logarithm of the digital inclusive finance index	4.687	0.161	4.233	4.877
	lnCov	数字普惠金融覆盖广度指数取对数 Logarithm of coverage breadth of digital inclusive finance	4.594	0.079	4.331	4.877
	lnDep	数字普惠金融使用深度指数取对数 Logarithm of depth of use of digital inclusive finance	4.925	0.248	4.312	5.238
	lnDig	数字普惠金融数字化程度指数取对数 Logarithm of degree of digitalization of digital inclusive finance	4.312	0.659	2.302	4.863
控制变量 Control variable	Gdp	人均生产总值/万元 Per capita gross domestic product×10⁴ yuan	5.269	1.420	1.805	7.973
	Popul	人口密度/(万人·km^-2) Population density/(10 000 people·km^-2)	0.030	0.023	0.009	0.108
	Traff	交通便利程度/(km·万人^-1) Transportation convenience/(km per 10 000 people)	45.917	25.568	6.911	116.695
	Innov	区域创新水平/(项·万人^-1) Regional innovation level/(items per 10 000 people)	21.188	17.708	4.039	120.200

项目 Item	农业全要素生产率 Total factor productivity of agriculture		农业技术进步 Agricultural technological progress		农业技术效率 Agricultural technology efficiency
项目 Item	(1)	(2)	(3)	(4)	(5)	(6)
数字普惠金融	0.626^***	0.270^***	1.421^***	0.539^***	-0.799^***	-0.287^**
Digital inclusive finance	(7.910)	(2.945)	(17.400)	(7.480)	(-8.853)	(-2.334)
人均生产总值		0.045^***		0.101^***		-0.054^**
Per capita gross domestic product		(2.969)		(6.794)		(-2.427)
人口密度		-7.609^***		-3.214^**		-4.502^**
Population density		(-5.566)		(-2.319)		(-2.684)
交通便利程度		0.002^**		0.010^***		-0.008^***
Transportation convenience		(1.444)		(4.726)		(-3.216)
区域创新水平		0.001^*		0.003^**		-0.002^*
Regional innovation level		(1.160)		(2.302)		(-2.077)
常数项Cons	-2.710^***	-1.169^**	-6.206^***	-3.037^***	3.515^***	1.943^***
	(-7.310)	(-2.747)	(-16.217)	(-8.852)	(8.310)	(3.591)
地区效应Regional effects	控制Control	控制Control	控制Control	控制Control	控制Control	控制Control
n	176	176	176	176	176	176
R²	0.482	0.541	0.716	0.839	0.535	0.644

山区县域数字普惠金融赋能农业全要素生产率提升研究——以浙江省山区26县为例

Research on empowering agricultural total factor productivity with digital inclusive finance in mountainous counties: taking 26 mountainous counties in Zhejiang Province of China as an example

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项目 Item	农业全要素生产率 Total factor productivity of agriculture			农业技术进步 Agricultural technological progress			农业技术效率 Agricultural technology efficiency
项目 Item	(a1)	(a2)	(a3)	(b1)	(b2)	(b3)	(c1)	(c2)	(c3)
数字普惠金融覆盖广度	0.162^***			0.261^**			-0.105^*
Coverage breadth of digital	(3.645)			(2.691)			(-1.846)
inclusive finance
数字普惠金融使用深度		0.210^***			0.411^***			-0.218^**
Depth of use of digital		(4.688)			(6.077)			(-2.194)
inclusive finance
数字普惠金融数字化程度			0.059^**			0.105^***			-0.050^*
Degree of digitalization of			(2.644)			(4.402)			(-1.839)
digital inclusive finance
人均生产总值	0.070^***	0.03^8**	0.046^**	0.152^***	0.089^***	0.108^***	-0.081^***	-0.04^8*	-0.060^**
Per capita gross	(5.200)	(2.135)	(2.637)	(10.900)	(5.546)	(5.571)	(-4.718)	(-1.827)	(-2.444)
domestic product
人口密度	-8.484^***	-7.170^***	-7.985^***	-4.977^**	-2.383^*	-4.074^***	-3.553^*	-4.938^***	-3.988^**
Population density	(-6.229)	(-4.759)	(-6.239)	(-2.311)	(-1.984)	(-3.064)	(-1.950)	(-2.850)	(-2.360)
交通便利程度	0.002^*	0.001	0.003^**	0.011^***	0.009^***	0.012^***	-0.009^***	-0.007^***	-0.009^***
Transportation convenience	(1.800)	(1.051)	(2.160)	(4.529)	(4.121)	(4.802)	(-3.174)	(-2.934)	(-3.236)
区域创新水平	0.002^*	0.001	0.001	0.004^***	0.003^**	0.003^**	-0.003^**	-0.002^*	-0.002^**
Regional innovation level	(1.912)	(1.089)	(1.092)	(3.155)	(2.162)	(2.369)	(-2.733)	(-2.040)	(-2.219)
常数项Cons	-0.791^*	-0.885^**	-0.203	-2.001^***	-2.444^***	-1.082^***	1.238^**	1.624^***	0.887^***
	(-1.767)	(-2.449)	(-1.699)	(-4.198)	(-7.824)	(-7.768)	(2.500)	(3.906)	(5.317)
地区效应 Regional effects	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control
n	176	176	176	176	176	176	176	176	176
R²	0.521	0.544	0.534	0.813	0.841	0.826	0.625	0.645	0.633

项目Item	农业全要素生产率 Total factor productivity of agriculture		农业技术进步 Agricultural technological progress		农业技术效率 Agricultural technology efficiency
	第一阶段 First stage	第二阶段 Second stage	第一阶段 First stage	第二阶段 Second stage	第一阶段 First stage	第二阶段 Second stage
	(a1)	(a2)	(b1)	(b2)	(c1)	(c2)
数字普惠金融滞后一期	0.420^***		0.420^***		0.420^***
Digital inclusive finance lags behind for one period	(0.046)		(0.046)		(0.046)
数字普惠金融		1.493^***		2.818^***		-1.331^***
Digital inclusive finance		(0.274)		(0.339)		(0.249)
人均生产总值	0.009	-0.035^**	0.009	-0.019	0.009	-0.014
Per capita gross domestic product	(0.006)	(0.016)	(0.006)	(0.020)	(0.006)	(0.020)
人口密度	0.619^*	-2.405^***	0.619^*	-2.758^**	0.619*	-0.357^**
Population density	(0.341)	(0.910)	(0.341)	(1.125)	(0.391)	(0.746)
交通便利程度	0.000	-0.002^***	0.000	-0.000	0.000	-0.002
Transportation convenience	(0.000)	(0.001)	(0.000)	(0.001)	(0.000)	(0.001)
区域创新水平	0.001^*	0.000	0.001^*	-0.002^*	0.001^*	-0.002^*
Regional innovation level	(0.000)	(0.001)	(0.000)	(0.001)	(0.000)	(0.001)
常数项Cons	2.689^***	-6.452^***	2.689^***	-12.582^***	2.689^***	6.154^***
	(0.192)	(1.217)	(0.192)	(1.504)	(0.181)	(1.109)
n	154	154	154	154	154	154
调整R²Adjusted R²	0.620	0.152	0.620	0.402	0.620	0.281

项目 Item	农业全要素生产率 Total factor productivity of agriculture	农业技术进步 Agricultural technological progress	农业技术效率 Agricultural technology efficiency
项目 Item	(1)	(2)	(3)
数字普惠金融Digital inclusive finance	0.364^***	0.682^***	-0.331^***
	(4.114)	(6.589)	(-3.432)
人均生产总值Per capita gross domestic product	0.037^***	0.097^***	-0.056^***
	(3.233)	(7.498)	(-4.542)
人口密度Population density	-0.226	2.914	-3.321^*
	(-0.158)	(1.346)	(-1.714)
交通便利程度Transportation convenience	-0.001	0.005^***	-0.005^***
	(-0.676)	(2.587)	(-3.044)
区域创新水平Regional innovation level	0.001	0.003^***	-0.002^*
	(1.473)	(3.186)	(-1.852)
常数项Cons	-1.657^***	-3.626^***	1.971^***
	(-4.520)	(-8.513)	(4.918)
Sigma_u	0.115^***	0.197^***	0.165^***
	(5.664)	(5.331)	(5.736)
Sigma_e	0.103^***	0.114^***	0.112^***
	(17.392)	(16.957)	(16.998)
n	176	176	176

项目 Item	农业全要素生产率 Total factor productivity of agriculture			农业技术进步 Agricultural technological progress			农业技术效率 Agricultural technology efficiency
	25分位点 25th percentile	50分位点 50th percentile	75分位点 75th percentile	25分位点 25th percentile	50分位点 50th percentile	75分位点 75th percentile	25分位点 25th percentile	50分位点 50th percentile	75分位点 75th percentile
	(a1)	(a2)	(a3)	(b1)	(b2)	(b3)	(c1)	(c2)	(c3)
数字普惠金融	0.363^***	0.588^***	0.664^***	0.617^***	1.112^***	1.036^***	-0.396^**	-0.413^***	-0.204
Digital inclusive finance	(2.712)	(4.287)	(5.422)	(2.637)	(7.378)	(6.401)	(-2.253)	(-2.893)	(-1.001)
人均生产总值	-0.005	0.000	-0.002	0.051^*	0.052^***	0.059^***	-0.083^***	-0.069^***	-0.025
Per capita gross domestic	(-0.296)	(0.005)	(-0.106)	(1.832)	(2.897)	(3.102)	(-3.982)	(-4.081)	(-1.053)
product
人口密度	0.437	-0.338	-2.383^***	-0.491	-0.272	-0.370	0.460	-0.860	-0.790
Population density	(0.442)	(-0.334)	(-2.636)	(-0.284)	(-0.244)	(-0.310)	(0.355)	(-0.816)	(-0.524)
交通便利程度	-0.000	-0.001	-0.003^***	-0.002	0.000	0.001	-0.001	-0.002^**	-0.002
Transportation convenience	(-0.240)	(-1.541)	(-3.607)	(-1.480)	(0.085)	(0.901)	(-0.859)	(-2.178)	(-1.234)
区域创新水平	0.000	0.002	0.003^***	0.000	-0.001	0.000	0.000	0.004^***	-0.000
Regional innovation level	(0.110)	(1.504)	(3.230)	(0.134)	(-0.602)	(0.042)	(0.251)	(3.543)	(-0.023)
常数项Cons	-1.564^***	-2.495^***	-2.642^***	-2.751^***	-4.999^***	-4.629^***	1.961^***	2.113^***	1.093
	(-2.733)	(-4.254)	(-5.044)	(-2.749)	(-7.752)	(-6.686)	(2.611)	(3.461)	(1.251)
n	176	176	176	176	176	176	176	176	176

[1]	王嫚嫚, 沈洲, 高奇正. 基于投入-产出统一性框架的中国农业全要素生产率时空变迁[J]. 浙江农业学报, 2024, 36(2): 441-454.
[2]	刘战伟. 碳排放约束下河南省农业全要素生产率增长与分解[J]. 浙江农业学报, 2014, 26(4): 1031-.

项目 Item	东部East			中部Middle			西部West
	lnAtfp	lnTech	lnEff	lnAtfp	lnTech	lnEff	lnAtfp	lnTech	lnEff
	(a1)	(a2)	(a3)	(b1)	(b2)	(b3)	(c1)	(c2)	(c3)
数字普惠金融	0.255^**	0.34^0**	-0.091	0.192^*	0.579^***	-0.424^*	0.419^**	0.613^***	-0.203
Digital inclusive finance	(2.471)	(3.465)	(-1.260)	(1.730)	(4.272)	(-2.023)	(2.930)	(9.203)	(-1.347)
人均生产总值	0.018	0.090^***	-0.072^***	0.051^**	0.095^**	-0.038	0.018	0.095^**	-0.076^*
Per capita gross domestic product	(0.850)	(4.810)	(-4.478)	(2.720)	(3.345)	(-0.964)	(0.761)	(3.682)	(-2.279)
人口密度	-8.173^**	-3.558	-4.591^**	50.198	59.614	-13.298	28.826	-138.786	161.681
Population density	(-2.653)	(-1.636)	(-2.560)	(1.018)	(0.849)	(-0.196)	(0.251)	(-1.339)	(0.928)
交通便利程度	-0.004	0.012^**	-0.016^**	0.001	0.009^***	-0.008^**	0.013	0.009	0.004
Transportation convenience	(-0.611)	(2.852)	(-2.467)	(0.776)	(4.491)	(-2.818)	(0.995)	(0.550)	(0.135)
区域创新水平	0.010^**	0.00^6**	0.004	0.000	0.002	-0.002	-0.000	0.007	-0.007
Regional innovation level	(2.650)	(3.546)	(1.056)	(0.536)	(1.475)	(-1.732)	(-0.192)	(1.606)	(-1.449)
常数项Cons	-0.744	-1.924^***	1.207^**	-2.038	-4.523^**	2.711^*	-3.109	-0.692	-2.262
	(-1.014)	(-3.851)	(2.516)	(-1.716)	(-3.332)	(2.210)	(-1.475)	(-0.404)	(-0.738)
地区效应 Regional effects	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control
n	56	56	56	64	64	64	56	56	56
R²	0.584	0.867	0.677	0.506	0.771	0.641	0.591	0.911	0.715

项目 Item	东部East			中部Middle			西部West
	lnAtfp	lnTech	lnEff	lnAtfp	lnTech	lnEff	lnAtfp	lnTech	lnEff
	(a1)	(a2)	(a3)	(b1)	(b2)	(b3)	(c1)	(c2)	(c3)
数字普惠金融	0.255^**	0.34^0**	-0.091	0.192^*	0.579^***	-0.424^*	0.419^**	0.613^***	-0.203
Digital inclusive finance	(2.471)	(3.465)	(-1.260)	(1.730)	(4.272)	(-2.023)	(2.930)	(9.203)	(-1.347)
人均生产总值	0.018	0.090^***	-0.072^***	0.051^**	0.095^**	-0.038	0.018	0.095^**	-0.076^*
Per capita gross domestic product	(0.850)	(4.810)	(-4.478)	(2.720)	(3.345)	(-0.964)	(0.761)	(3.682)	(-2.279)
人口密度	-8.173^**	-3.558	-4.591^**	50.198	59.614	-13.298	28.826	-138.786	161.681
Population density	(-2.653)	(-1.636)	(-2.560)	(1.018)	(0.849)	(-0.196)	(0.251)	(-1.339)	(0.928)
交通便利程度	-0.004	0.012^**	-0.016^**	0.001	0.009^***	-0.008^**	0.013	0.009	0.004
Transportation convenience	(-0.611)	(2.852)	(-2.467)	(0.776)	(4.491)	(-2.818)	(0.995)	(0.550)	(0.135)
区域创新水平	0.010^**	0.00^6**	0.004	0.000	0.002	-0.002	-0.000	0.007	-0.007
Regional innovation level	(2.650)	(3.546)	(1.056)	(0.536)	(1.475)	(-1.732)	(-0.192)	(1.606)	(-1.449)
常数项Cons	-0.744	-1.924^***	1.207^**	-2.038	-4.523^**	2.711^*	-3.109	-0.692	-2.262
	(-1.014)	(-3.851)	(2.516)	(-1.716)	(-3.332)	(2.210)	(-1.475)	(-0.404)	(-0.738)
地区效应 Regional effects	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control	控制 Control
n	56	56	56	64	64	64	56	56	56
R²	0.584	0.867	0.677	0.506	0.771	0.641	0.591	0.911	0.715