数字金融能否促进经济高质量发展——基于金融功能视角  

Can Digital Finance Promote High-quality Economic Development--Based on Perspective of Financial Functions

作　　者：王仁祥[1] 李英杰 谢文君 WANG Renxiang;LI Yingjie;XIE Wenjun(School of Economics, Wuhan University of Technology,Wuhan 430070, China)

机构地区：[1]武汉理工大学经济学院,湖北武汉430070

出　　处：《北京邮电大学学报（社会科学版）》2022年第2期12-23,共12页Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)

基　　金：国家社会科学基金一般项目(21BJY253)。

摘　　要：为推进我国经济高质量发展,基于金融功能视角,分析数字金融对经济高质量发展的影响,并采用2011—2018年省级面板数据对理论分析的假设进行实证检验。实证结果表明:数字金融可以通过提升金融可得性与资源配置效率,促进经济高质量发展。通过异质性检验发现,有针对性的数字金融监管,能提升对经济高质量发展的促进作用;数字金融对经济高质量发展的促进作用会受区域异质性的影响,具体表现为对中部的促进作用大于西部,对东部的促进作用最小。因此,为促进我国经济高质量发展,需在加快推进数字金融发展的同时,加强有针对性的金融监管和防范系统性金融风险。In order to promote the high-quality development of China’s economy,the impact of digital finance on the high-quality economic development is theoretically analyzed based on the perspective of financial functions,and the 2011—2018 provincial panel data is used to empirically test the hypotheses of the theoretical analysis.The empirical results show that digital finance can promote high-quality economic development by improving financial availability and resource allocation efficiency.In the heterogeneity test,it is found that targeted digital financial supervision can enhance the promotion effect;in addition,the promotion effect will be affected by regional heterogeneity.The promotion effect in the central region is greater than that in the west,and the least is the east.Therefore,in order to promote the high-quality development of China’s economy,it is necessary to strengthen targeted financial supervision and prevent systemic financial risks while accelerating the development of digital finance.

关 键 词：数字金融 经济高质量发展 金融功能 金融监管 

分 类 号：F832[经济管理—金融学] F120.3