摘要粤港澳大湾区区域经济政策作为地区市场一体化发展的重要事件，其对沿线省域数字普惠金融发展理应产生重大影响。本文基于2011-2020年全国省域面板数据，基于双重差分法模型，实证检验了粤港澳大湾区区域经济政策对沿线省域数字普惠金融发展的作用。研究结果表明，粤港澳大湾区区域经济政策有效地推动了沿线省域数字普惠金融的发展，且不存在其他省份之间的固有差异干扰粤港澳大湾区区域经济政策对数字普惠金融发展的影响作用。反事实分析说明本文结论基本稳健，动态效应检验说明粤港澳大湾区区域经济政策对沿线省域数字普惠金融发展具有持续性作用。关键词：粤港澳大湾区战略，区域经济政策，数字普惠金融，双重差分法StudyontheimpactofregionaleconomicpoliciesinGuangdong-HongKong-MacaoGreaterBayAreaonthedevelopmentofdigitalfinancialinclusioninthelineprovincesareaAbstract:Asanimportanteventinthedevelopmentofregionalmarketintegration,theregionaleconomicpoliciesofGuangdong-HongKong-MacaoGreaterBayAreashouldhaveasignificantimpactonthedevelopmentofdigitalinclusivefinanceinprovincesalongtheline.Basedonthenationalprovincialpaneldatafrom2011to2020,thispaperempiricallyexaminestheroleofregionaleconomicpoliciesintheGuangdong-HongKong-MacaoGreaterBayAreaonthedevelopmentofdigitalinclusivefinanceintheprovincesalongtheroutebasedontheDifferenceinDifferencemodel.ThefindingsshowthattheregionaleconomicpolicyoftheGuangdong-HongKong-MacaoGreaterBayAreaeffectivelypromotesthedevelopmentofdigitalinclusivefinanceintheprovincesalongtheline,andtherearenoinherentdifferencesamongotherprovincestointerferewiththeimpactoftheregionaleconomicpolicyoftheGuangdong-HongKong-MacaoGreaterBayAreaonthedevelopmentofdigitalinclusivefinance.Thecounterfactualanalysisshowsthattheconclusionofthispaperisbasicallystable,andthedynamiceffecttestshowsthattheregionaleconomicpolicyofGuangdong-HongKong-MacaoGreaterBayAreahaveasustainableeffectonthedevelopmentofdigitalinclusivefinanceinprovincesalongtheline.Keywords:Guangdong-HongKong-MacaoGreaterBayAreastrategy,regionaleconomicpolicy,digitalfinancialinclusion,DifferenceinDifferencemodel目录一、引言…………………………………………………………………………………………1二、粤港澳大湾区战略与普惠金融发展概述…………………………………………………2（一）粤港澳大湾区战略…………………………………………………………………21.粤港澳大湾区战略背景……………………………………………………………22.粤港澳大湾区战略发展存在的问题………………………………………………3（二）数字普惠金融………………………………………………………………………3三、粤港澳大湾区战略对沿线省域数字普惠金融发展影响因素分析………………………5（一）政策因素……………………………………………………………………………5（二）科技因素……………………………………………………………………………5（三）经济因素……………………………………………………………………………5四、粤港澳大湾区战略对沿线省域数字普惠金融发展影响实证分析………………………6（一）样本选择与研究设计……………………………………………………………6（二）双重差分模型构建………………………………………………………………8（三）实证结果分析………………………………………………………………………91.平行趋势检验………………………………………………………………………92.双重差分基准回归分析…………………………………………………………93.反事实分析………………………………………………………………………104.动态效应分析……………………………………………………………………10五、粤港澳大湾区战略促进沿线省域数字普惠金融发展政策建议……...
