Coupling Coordination and Influencing Factors between Digital Inclusive Finance and High-Quality Economic Development—Evidence from Western China

数字普惠金融的发展通过提升金融服务的普惠性和可获得性，有效促进金融资源与实体经济的深度耦合，为经济高质量发展注入新动能。基于2011~2022年西部地区11省面板数据，运用熵值法测度经济高质量发展水平指数，结合耦合协调度模型分析数字普惠金融与经济高质量发展两者之间的系统关联性，通过构建固定效应模型考察数字普惠金融对经济高质量发展的影响及其作用机制。结果表明：在西部地区，数字普惠金融与经济高质量发展两系统之间的协同效应显著为正，其耦合协调度呈现上升趋势，内生性和稳健性证实数字普惠金融对经济高质量发展存在明显的正向促进作用。The development of digital inclusive finance enhances the inclusiveness and accessibility of financial services, effectively fostering deep integration between financial resources and the real economy, thereby injecting new momentum into high-quality economic development. Based on panel data from 11 western provinces in China from 2011 to 2022, this study employs the entropy method to measure the high-quality economic development index and utilizes a coupling coordination model to analyze the systemic relationship between digital inclusive finance and high-quality economic development. A fixed-effects model is constructed to examine the impact of digital inclusive finance on high-quality economic development and its underlying mechanisms. The results indicate that in Western China, the synergistic effect between digital inclusive finance and high-quality economic development is significantly positive, with their coupling coordination degree showing an upward trend. Endogeneity and robustness tests confirm that digital inclusive finance has a distinctly positive effect on promoting high-quality economic development.