我国新型城镇化已经取得重大进展，城乡融合发展取得新成效，城镇化水平和质量大幅提升。但是，我国新型城镇化仍存在区域发展不平衡，城乡发展不协调等问题，制约着我国新型城镇化由高速发展转型为高质量发展。伴随着现代科技的飞速发展及应用，与数字化信息技术深度融合而衍生的数字普惠金融革新了传统金融业态，通过金融科技手段广泛延伸了金融服务的辐射半径，有效提升了金融服务效率，为金融赋能新型城镇化提供了全新解决方案。然而，现阶段数字普惠金融是否真的能带动新型城镇化，数字普惠金融投入规模能否满足新型城镇化发展需要，数字普惠金融资源投入产出效率如何，在实践中对新型城镇化的影响机制究竟如何等都是亟需厘清的重要问题。

基于此，本文首先分别梳理了数字普惠金融和新型城镇化的相关理论，尝试厘清二者的影响机制。接下来，对数字普惠金融发展现状和新型城镇化现状展开分析，构建了新型城镇化相关指标体系，测度了我国各省份新型城镇化水平。其次，以数字普惠金融作为投入指标，将各省份人口城镇化、经济城镇化、生态城镇化、社会城镇化作为新型城镇化产出指标，纳入非参数 DEA-Malmquist 指数模型，测度中国 31 个省市 2011-2020 年数字普惠金融与新型城镇化协同效率，并在此基础上分析数字普惠金融技术效率、规模效率、技术进步率对新型城镇化的影响及随时间演化的趋势。再次，引入实证模型，分析数字普惠金融与新型城镇化的相关性，探究数字普惠金融对新型城镇化的影响效应，并进一步进行作用机制检验与区域异质性分析。

本文的实证结果表明：其一，数字普惠金融发展能够显著促进新型城镇化，但数字普惠金融支持新型城镇化协同效率综合水平较低；其二，数字普惠金融推动新型城镇化的效果因区域差异而异，表现为中部>东部>西部>东北地区；其三，本文发现数字普惠金融通过技术创新和产业结构优化途径影响新型城镇化，且均表现为中介效应。最后，本文根据实证结果提出数字普惠金融的发展建议：（1）重视数字普惠金融发展，深化数字金融体系建设；（2）合理规划数字普惠金融资源配置，实行差异化数字金融战略；（3）重视技术创新和产业结构优化，间接促进新型城镇化。

China's new-type urbanization construction has made great progress, new results have been achieved in the integrated development of urban and rural areas, and the level and quality of urbanization have been greatly improved. However, China's new-type urbanization still has problems such as unbalanced regional development and uncoordinated urban and rural development, which restricts the transformation of China's new-type urbanization from high-speed development to high-quality development. With the rapid development and application of modern science and technology, the digital inclusive finance derived from the deep integration of digital information technology has revolutionized the traditional financial format, widely extended the radiation radius of financial services through financial technology means, effectively improved the efficiency of financial services, and provided new solutions for the construction of new urbanization empowered by finance. However, at this stage, whether digital inclusive finance can really drive the construction of new urbanization, whether the scale of digital inclusive finance investment can meet the needs of new urbanization development, how efficient the input and output of digital inclusive financial resources is, and what is the impact mechanism on new urbanization in practice, etc. are all important issues that need to be clarified.

 

Based on this, the thesis first sorts out the relevant theories of digital financial inclusion and new urbanization, and attempts to clarify the influence mechanism of the two. Next, the development status of digital inclusive finance and the status quo of new-type urbanization construction are analyzed, and the relevant index system of new-type urbanization is constructed, and the level of new-type urbanization construction in various provinces in China is measured. Secondly, taking digital inclusive finance as input indicators, taking population urbanization, economic urbanization, ecological urbanization and social urbanization in various provinces as the output indicators of new urbanization, and incorporating them into the non-parametric DEA-Malmquist index model, the synergistic efficiency of digital inclusive finance and new urbanization in 31 provinces and cities in China from 2011 to 2020 was measured, and the impact of digital inclusive financial technology efficiency, scale efficiency and technological progress rate on new urbanization and its evolution trend over time were analyzed on this basis. Thirdly, an empirical model is introduced to analyze the correlation between digital inclusive finance and new urbanization, explore the impact effect of digital inclusive finance on new urbanization, and further test the mechanism and analyze regional heterogeneity.

 

The empirical results of the thesis show that, first, the development of digital inclusive finance can significantly promote new urbanization, but the comprehensive level of synergy efficiency of digital inclusive finance to support new urbanization is low. Second, the effect of digital financial inclusion in promoting new urbanization varies according to regional differences, which is manifested in the central> eastern> western > northeastern regions. Third, the thesis finds that digital inclusive finance affects the construction of new urbanization through technological innovation and industrial structure optimization, and all of them are manifested as intermediary effects.Finally, based on the empirical results, the thesis puts forward suggestions for the development of digital inclusive finance: (1) attach importance to the development of digital inclusive finance and deepen the construction of digital financial system; (2) Rationally plan the allocation of digital inclusive financial resources and implement differentiated digital financial strategies; (3) Attach importance to technological innovation and industrial structure optimization, and indirectly promote the construction of new-type urbanization.

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