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本文选取25个发达国家和40个发展中国家的面板数据,运用变异系数法和加权几何平均法,构建普惠金融指数,实证分析互联网使用状况对普惠金融发展水平的影响。研究表明,互联网使用显著提升了发展中国家和发达国家的普惠金融指数。经济发展水平、金融意识和信贷价格也对普惠金融发展影响显著。我国应当构建中国特色普惠金融指标体系,依托互联网等数字技术,发展数字普惠金融,并完善经济、法制等外部环境,促进普惠金融长效发展。
In this paper, panel data of 25 developed countries and 40 developing countries are selected. By using the method of variation coefficient and weighted geometric averaging, the universal financial index is constructed to analyze the impact of internet usage on the development of inclusive finance. Research shows that Internet use has significantly improved the inclusive financial index in both developing and developed countries. The level of economic development, financial awareness and credit prices also have a significant impact on the development of inclusive finance. China should construct an index system of inclusive financial resources with Chinese characteristics and rely on digital technologies such as the Internet to develop digital inclusive finance and improve the external environment such as the economic and legal systems so as to promote the long-term development of inclusive financial services.