陕西省数字普惠金融对经济增长的影响研究

数字普惠金融作为金融科技与普惠金融的深度融合，对地区经济发展有着重大影响。基于陕西省10个地级市2012—2021年的面板数据，采用固定效应模型进行实证检验，探究陕西省数字普惠金融对经济增长的影响以及地区差异。研究结果显示，陕西省数字普惠金融的发展在推动整体经济增长方面发挥了积极作用，并呈现明显的区域异质性特征。在此基础上，提出相关的对策建议。

The Impact of Digital Inclusive Finance on Economic Growth in Shaanxi Province

Digital inclusive finance, as the deep integration of financial technology and inclusive finance, has a significant impact on regional economic development. Based on panel data from 2012 to 2021 for 10 prefecture-level cities in Shaanxi Province, a fixed-effects model was employed for empirical testing to explore the impact of digital inclusive finance on economic growth and regional differences in Shaanxi Province. The research finds that the development of digital inclusive finance in Shaanxi Province plays a positive role in promoting overall economic growth and exhibits notable regional heterogeneity. Based on these results, relevant policy recommendations are proposed.