普惠金融与就业增加:直接影响与空间溢出效应

在就业总量性矛盾得到缓解、结构性矛盾日益突出的背景下,基于2005-2015年中国省级面板数据,采用普通面板及空间面板模型实证考察普惠金融对就业的影响效应,研究显示：普惠金融发展能够显著促进第一及第三产业就业水平的增加,承接第二产业的结构性、摩擦性失业人员,进而促进总体就业水平的提升。地区之间普惠金融发展的协调性不足,周边地区普惠金融发展对就业具有明显的负向溢出效应。沿海地区普惠金融发展对总体就业的促进作用不显著,但地区之间更加协调;内陆地区普惠金融发展对三次产业就业均具有显著的促进作用,但地区之间协调性不足。普惠金融发展对生产性及生活性服务业就业均具有显著的促进作用,但呈现出负向溢出效应。

Financial Inclusion and Employment Increase:Direct and Spatial Spillover Effects

Under the background that the gross employment contradiction has been alleviated and the structural employment contradiction has become increasingly intensified, based on the provincial panel data of China from 2005 to 2015, this paper empirically investigates the effect of financial inclusion on employment by using ordinary panel and spatial panel model. The conclusions are as follows:the development of financial inclusion can significantly promote the level of the employment of the primary and third industries, undertake the structural and frictional unemployment of the secondary industry, and then promote the overall level of employment; The coordination of financial inclusion development among regions is insufficient, and the development of financial inclusion in surrounding areas has a negative spillover effect on employment. The effect of financial inclusion development on the overall employment in coastal areas is not significant, but there is more coordination among regions. The financial inclusion development in inland areas has a significant role in promoting the employment of all industries, but the coordination between regions is insufficient. Financial inclusion development promotes the level of employment in both producer and life services, but it has a negative spillover effect.