数字金融对经济韧性的影响研究  

The Impact of Digital Finance on Economic Resilience

作　　者：杜文豪 DU Wenhao

机构地区：[1]哈尔滨商业大学经济学院,黑龙江哈尔滨150028

出　　处：《商业经济》2025年第4期158-161,共4页Business & Economy

基　　金：国家社科基金:数字化转型背景下流通供应链体系优化与创新(19CJY048)。

摘　　要：随着数字技术的不断演进,金融领域迅速吸纳了云计算、大数据等新兴技术,推动了数字金融的快速兴起,显著加快了现代经济的发展步伐,有助于提升中国经济体系的韧性。数字金融对增强现代经济韧性的效应,具体表现为促进实体经济成长,提升金融业体系整体水准,推动产业结构优化升级,从而强化经济体系的韧性。同时,提出了强化数字技术对经济韧性的基石作用,融合数字金融于实体经济之中,优化其支撑机制等发展策略,以期更充分地利用数字金融效能,进而增强现代经济的韧性。With the continuous evolution of digital technology,the financial sector has rapidly absorbed emerging technologies such as cloud computing and big data,which has promoted the rapid rise of digital finance,significantly accelerated the pace of modern economic development,and helped to improve the resilience of China's economic system.The effect of digital finance on enhancing the resilience of the modern economy is specifically manifested in promoting the growth of the real economy,improving the overall level of the financial industry system,and promoting the optimization and upgrading of the industrial structure,thus strengthening the resilience of the economic system.Meanwhile,the study proposes development strategies such as strengthening the cornerstone role of digital technology on economic resilience,integrating digital finance into the real economy,and optimizing its support mechanism,so as to make full use of digital finance efficiency,and then enhance the resilience of modern economy.

关 键 词：数字金融 经济韧性 产业结构 金融体系 

分 类 号：F124[经济管理—世界经济]