| As one of the important contents of China’s future urban development,the 14 th Five Year Plan points out that we must adhere to the path of new urbanization with Chinese characteristics,deeply promote the strategy of new urbanization centered on people,and strive to enable more people to enjoy a higher quality of urban life.The new type of urbanization adheres to the basic requirement of putting people at the core.Since the proposal of the new type of urbanization,the top-level design has been continuously improved,and various regions have actively explored paths.The level and quality of urbanization in China have been significantly improved,and the urbanization of agricultural transfer population has achieved significant results.The spatial pattern of urbanization continues to improve and optimize,and the urban-rural integration and development status is good.The green,healthy,and sustainable development ability of cities is steadily improving.As China enters a new stage of development,digital technology plays a significant role in promoting the construction of new urbanization.With the development of big data,internet,and mobile information technology,digital inclusive finance has emerged.As an emerging form,digital inclusive finance has achieved deep integration of science and technology with the financial industry.As the digital stage of inclusive finance development,digital inclusive finance can innovate and diversify financial products,provide more convenient financial services,gradually meet the financial needs of rural populations,low-income groups,and remote areas,achieve the availability of digital payments and credit,and provide effective financial support for promoting the construction of a new type of urbanization centered on people.Based on the panel data of 233 cities above prefecture level in China from 2011 to 2020,this paper first constructs a new urbanization evaluation index system,and calculates the new urbanization comprehensive index using the entropy method,and then empirically tests the impact of digital inclusive finance on new urbanization.Research has found that firstly,digital inclusive finance can significantly promote the construction of new urbanization,and the improvement of coverage,depth of use,and digital level has all played a significant positive effect.Secondly,based on the mesomeric effect model,digital inclusive finance indirectly affects new urbanization by promoting industrial structure upgrading,accumulating human capital,and improving the intensity of environmental regulation.Simultaneously conducting heterogeneity analysis,it was found that the driving effect of digital inclusive finance in the central and eastern regions is more significant than that in the western regions.The impact effect in the three major urban agglomerations of Beijing Tianjin Hebei,Yangtze River Delta,and Pearl River Delta has gradually increased,and the closer it is to the four central cities of Beijing,Shanghai,Guangzhou,and Shenzhen,the stronger the impact effect.Finally,by introducing spatial factors,digital inclusive finance still has a significant impact on new urbanization,and the improvement of a city’s new urbanization level will have a radiating effect,driving the improvement of the new urbanization level of surrounding cities.The improvement of the local digital inclusive finance index will also promote the development of new urbanization in adjacent areas.Based on the above research conclusions,this article proposes relevant policy recommendations to better serve the construction of new urbanization through digital inclusive finance.Firstly,we should vigorously promote the development of digital inclusive finance,improve the system of digital inclusive finance,fully unleash the dividends,and allow the dividends brought by the development of digital inclusive finance to benefit various regions,assist economic development,and drive the construction of new urbanization.Secondly,it is necessary to reasonably plan financial resources,realize cross regional recombination of financial capital,and enable digital inclusive finance to supplement energy for new urbanization construction by optimizing capital allocation.At the same time,it is also necessary to attach importance to the accumulation of human capital,increase the cultivation and support of talents,build a talent pool between different cities,form sufficient talent resource reserves,fully leverage the role of human capital level in promoting the development of digital inclusive finance,and indirectly promote the construction of new urbanization.Finally,we must adhere to digital reform and innovation,empower the development of new urbanization with digitization,actively use digital technology to lead the reform of urban and rural productivity,use digital technology to smooth the flow of urban and rural factors,let digital technology penetrate all aspects of people’s lives,improve the quality of life of urban and rural residents,and promote the steady progress of new urbanization. |
