重庆文理学院学报(社会科学版)

建设全国统一大市场是构建新发展格局和推动高质量发展的重要支撑。发挥数字普惠金融的新动能优势，对于实现要素市场资源优化配置，加快建设国内统一大市场具有重要意义。文章基于2011—2021年我国省级面板数据，采用固定效应模型、门限回归模型以及空间计量模型等多种实证方法，从维度、门槛、空间三重视角聚焦数字普惠金融对国内统一大市场建设的影响及其内在机理。研究发现：数字普惠金融能够显著削弱地区市场分割程度，有效促进统一大市场建设，该结论在考虑了内生性后仍然成立；数字普惠金融对统一大市场建设的影响作用存在区域、时间以及市场化水平异质性；作用机制检验结果显示，创新水平提升、金融要素重塑和居民消费扩张在数字普惠金融赋能统一大市场建设中发挥着重要传导作用。进一步研究表明，数字普惠金融与国内统一大市场建设之间存在基于人力资本水平的门槛效应；考虑空间维度后，发现数字普惠金融对统一大市场建设的赋能作用具有显著的空间溢出效应。“十四五”时期，应继续落实“数字普惠金融”优先行动，推进市场一体化建设。

The construction of a unified national big market is pivotal for building a new development pattern and promoting high-quality economic development. Taking advantage of the new kinetic energy of digital inclusive finance is of great significance in realizing the optimal allocation of factor market resources and accelerating the construction of a unified domestic big market. Employing China's provincial panel data from 2011 to 2021, the article adopts empirical methods to focus on the impact and internal mechanism of digital inclusive finance on the construction of a unified big market from the triple perspectives of dimension, threshold and space. The research reveals that digital inclusive finance can significantly weaken the regional market segmentation and effectively promote the construction of a unified big market, and this conclusion still holds after taking endogeneity into account; the effect is heterogeneous in terms of region, time and level of marketization. The results of the mechanism test show that enhancing innovation, reshaping financial factors and expanding residents' consumption play an important role in the construction of a unified big market empowered by digital inclusive finance. The further study shows that there is a threshold effect based on the level of human capital between digital inclusive finance and the construction of a unified market; When considering the spatial dimension, it is found that the enabling effect of digital inclusive finance on the construction of a unified market has a significant spatial spillover effect. During the 14th Five-Year Plan period, priority actions on digital financial inclusion should continue to be implemented to promote the construction of an integrated market.