作　者：丁凡琳
关键词：数字普惠金融；碳强度；中介效应；空间异质性；碳达峰
摘　要：

“十四五”既是中国全面增强金融普惠性的重要阶段，又是“碳达峰”行动的关键窗口期，国家大力推行的金融普惠政策亟待探寻推进数字化转型和低碳绿色协同的高质量发展模式。碳强度能够反映碳排放与经济增长之间的互动关系，是衡量城市碳达峰程度的重要指标。目前我国城市数字普惠金融可以通过三条路径影响碳强度的变动，一是通过技术进步，降低碳强度水平；二是推动人口结构调整，提升居民低碳消费偏好；三是降低能源消耗，对碳排放形成源头抑制。此外，与其他地区相比，中部城市数字普惠金融降低碳强度的效果最为明显。为实现数字普惠金融发展与全面碳达峰的双赢局面，应以金融服务优化引导居民低碳消费偏好、鼓励低碳技术创新、引导资金投向的低碳化，并实施区域性政策组合或配套等。

 

Effects of Digital Inclusive Finance on Carbon Intensity of China

Ding Fanlin（Nankai University）

Abstract The 14th Five-Year Plan period is both an important stage to enhance financial universality and a critical window period for the target of carbon peak. Financial inclusion urgently needs to explore a high-quality development mode to promote the coordination of digital transformation and low carbon. Carbon intensity can reflect the interaction between carbon emissions and economic growth, which is an important indicator to measure the degree of urban carbon peak. Urban digital inclusive finance in China can affect the change of carbon intensity through three paths. The first one is the production of technological progress effect, which can reduce the level of carbon intensity. The second one is the promotion of the adjustment of population structure so as to enhance residents' low-carbon consumption preferences. The third, is the reduction of energy consumption, which will curb carbon emissions at the source. In addition, the development of digital financial inclusion in the central region has the most obvious effect on reducing local carbon intensity, compared with other regions. In order to strive for a win-win result between the development of digital inclusive finance and comprehensive carbon peak, we should optimize financial services to guide residents' low- carbon consumption preferences, encourage low-carbon technological innovation, guide the low-carbon in‐ vestment of funds, and implement regional policy combinations or supporting facilities.

Key words      digital inclusive finance; carbon intensity; mesomeric effect; spatial heterogeneity; carbonpeak

 

■    作者简介 丁凡琳，经济学博士，南开大学周恩来政府管理学院讲师；天津 300350。

 

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