数字普惠金融对区域性金融风险的影响分析  

Analysis of the Impact of Digital Inclusive Finance on Regional Financial Risks

作　　者：宋健[1] 陈锦 SONG Jian;CHEN Jin(School of Business,Hunan University of Science and Technology,Xiangtan 411201,China)

机构地区：[1]湖南科技大学商学院,湖南湘潭411201

出　　处：《湖南工程学院学报(社会科学版)》2025年第1期1-10,共10页Journal of Hunan Institute of Engineering(Social Science Edition)

基　　金：国家社会科学基金一般项目“数字金融释放居民消费潜力的机制、路径与风险防范研究”(21BJY171)。

摘　　要：随着金融行业数字化转型不断地深入,数字技术在提升普惠金融包容性的同时也影响着我国金融系统的稳健性。运用北京大学数字普惠金融指数,聚焦数字普惠金融对我国区域性金融风险的影响,研究发现数字普惠金融在不同时期对我国区域性金融风险的影响不同:在发展初期,数字普惠金融数字化程度和覆盖广度推升了区域性金融风险;发展到一定阶段后,数字普惠金融的使用深度能够显著地抑制区域性金融风险,且在东部地区的抑制作用更为显著;数字普惠金融带来的资本转移可以降低区域性金融风险。With the digital transformation of financial industry continuing to deepen,digital technology not only improves the inclusiveness of inclusive finance,but also affects the stability of Chinese financial system.Using the Peking University Digital Financial Inclusion Index of China,this paper focuses on the impact of digital inclusive finance on regional financial risks in China.This study found that the impact of digital inclusive finance on regional financial risks in China varies at different times.In the early stage of development,the digitization level and the coverage breadth heighten regional financial risks.When digital inclusive finance develops to a certain extent,the usage depth can help mitigate regional financial risks significantly,and this mitigation effect is more significant in eastern regions.Digital inclusive finance brings about capital transfer,which can mitigate regional financial risks.

关 键 词：数字普惠金融 区域性金融风险 金融监管 

分 类 号：F832.1[经济管理—金融学]