数字普惠金融对陕西省低碳经济发展的影响

运用熵值法测度2012—2021年陕西省地级市的低碳经济发展水平。构建固定效应模型，探讨数字普惠金融对陕西省各地级市低碳经济发展水平的影响，进一步基于陕北、关中和陕南视角探索这一影响的异质性。研究发现，数字普惠金融对陕西省低碳经济发展有促进作用，其中覆盖广度的促进效应尤为显著，并在剔除省会城市和滞后一期后基准回归结果依然稳健。进一步研究表明，这一作用存在异质性和时滞性，数字普惠金融对关中地区的异质性影响远大于其他地区。

The Impact of Digital Inclusive Finance on the Development of Low-carbon Economy in Shaanxi Province

The entropy method was employed to assess the level of low-carbon economic development in prefecture-level cities in Shaanxi Province from 2012 to 2021. A fixed-effect model was constructed to investigate the impact of digital inclusive finance on such development. Furthermore, heterogeneity analysis was conducted based on the geographical divisions of northern Shaanxi, central Shaanxi, and southern Shaanxi. The findings reveal that digital inclusive finance plays a positive role in promoting low-carbon economy in Shaanxi Province, with coverage breadth having a particularly significant effect. Moreover, the benchmark regression results remain robust even after excluding provincial capitals and accounting for lag effects. Further research indicates both heterogeneity and time lag exist regarding this impact, with Guanzhong region exhibiting significantly greater heterogeneity compared to other regions.