数字普惠金融对文化产业发展的影响研究OACHSSCD

The development of information technology has driven the rise of digital inclusive finance.By lowering financing threshold for cultural enterprises and channeling resources toward high-quality creative projects,digital inclusive finance profoundly influences the development of the cultural industry.Utilizing panel data from 31 provincial-level administrative regions in China spanning 2015 to 2022,this study conducts an empirical analysis on the impact of digital inclusive finance on cultural industry development.The findings indicate that digital inclusive finance serves as a potent driver for the cultural industry,with both its breadth of coverage and depth of usage yielding significant positive promotional effects.Nonetheless,due to the time lag in converting technology into actual output,the short-term influence of the digitalization process is not significant.Heterogeneity analysis demonstrates that digital payment exerts a more substantial promotional effect among various business types;geographically,the empowerment effect is more pronounced in the eastern region compared to the central and western regions.Mechanism tests reveal that digital inclusive finance primarily empowers the cultural industry by enhancing the cultural consumption levels of rural residents.In contrast,the high financial accessibility enjoyed by urban residents renders this mediating effect insignificant within urban samples.This study enriches the theoretical research system on the nexus between digital inclusive finance and cultural industry development,offering practical policy recommendations on leveraging digital inclusive finance to foster the growth of the cultural industry.