数字金融发展、技术创新与经济增长  

Digital Finance Development,Technological Innovation and Economic Growth

作　　者：曾小艳 郭兴旭 祁华清[1] ZENG Xiaoyan;GUO Xingxu;QI Huaqing(School of Economics,Wuhan Polytechnic University,Wuhan 430048,China;Wuhan Enterprise Science and Technology Innovation Service Center,Wuhan 430023,China)

机构地区：[1]武汉轻工大学经济学院,武汉430048 [2]武汉市企业科技创新服务中心,武汉430023

出　　处：《科技与经济》2022年第4期31-35,共5页Science & Technology and Economy

基　　金：国家社会科学基金项目——“目标融合、空间溢出与农业政策性金融支持研究”(项目编号:21BJY164;项目负责人:曾小艳)成果之一。

摘　　要：数字金融的兴起与发展有助于缓解传统金融融资难的境况。采用我国省际面板数据,运用面板工具变量法实证检验数字金融发展对技术创新进而对经济增长的影响。研究发现:数字金融能够促进经济增长;将技术创新作为数字金融发展影响经济增长的中间变量考察,发现数字金融通过技术创新影响经济增长的效应显著,技术创新是数字金融推动经济增长的重要作用渠道。经过稳健性检验后,研究结论依然成立,进而提出促进经济增长的政策建议。The rise and development of digital finance will help ease the financing difficulty of traditional finance.Based on China's provincial panel data,this paper empirically tests the impact of digital finance development on technological innovation and economic growth by using the panel instrument variable method.The results show that:Digital finance can promote economic growth;by using technology innovation as an intermediate variable of digital finance development affecting economic growth,it is found that the effect of digital finance on economic growth through technology innovation is significant,and technology innovation is an important channel for digital finance to promote economic growth.After the robustness test,the conclusion of this study is still valid,and then a number of policy recommendations are proposed to promote economic growth.

关 键 词：数字金融 技术创新 经济增长 面板工具变量法 

分 类 号：F49[经济管理—产业经济] F832F124