数字金融经济增长机制研究  

Research on the Growth Mechanism of Digital Financial Economy

作　　者：席嘉琛 Xi Jiachen(University of New South Wales,Sydney,New South Wales,Australia)

机构地区：[1]新南威尔士大学,悉尼新南威尔士州

出　　处：《中国商论》2024年第16期165-168,共4页China Journal of Commerce

摘　　要：当前,我国对数字金融经济的重视度越来越高,针对数字金融经济增长机制的研究也需不断深入。因此,为进一步分析数字金融对经济的作用及影响,本文以2011—2020年我国276个地级及以上的城市面板数据为基础,探究数字金融与经济包容性增长影响机制。结果显示,对于经济发展而言,数字金融发挥着关键作用,其可使经济获得包容性增长。在具备下列两个条件的情况下:数字金融覆盖广度得以拓展、数字金融使用深度得以提升,则可对经济发展起到积极影响,使其呈包容性增长。此外,在规模效应下,若数字金融水平升高,则经济包容性增长也会随之升高,数字普惠金融对经济包容性增长的主要促进渠道为经济增长。Under the background that China is paying more and more attention to the digital financial economy,the research on the financial growth mechanism of digital finance also needs to be deepened.Therefore,in order to further analyze the role and influence of digital finance on the economy,this paper explores the influence mechanism of digital finance and economic inclusive growth based on the panel data of 276 cities at or above the prefecture level in China from 2011 to 2020.The results show that digital finance plays a key role in economic development,which can make the economy achieve inclusive growth.If the following two conditions are met:the breadth of digital finance coverage is expanded and the depth of digital finance use is enhanced,it can have a positive impact on economic development and make it grow in an inclusive way.In addition,under the scale effect,if the level of digital finance increases,the economic inclusive growth will increase,and the main promotion channel of digital inclusive finance for economic inclusive growth is economic growth.

关 键 词：数字金融 经济增长机制 数字经济 经济包容性增长 

分 类 号：F830.9[经济管理—金融学]