数字金融与地区经济增长——地区创业、居民消费与金融监管下的效应差异  

Digital Finance and Regional Economic Growth:Differences in the Effects of Regional Entrepreneurship,Resident Consumption,and Financial Regulation

作　　者：崔鹏铎 裴思远 CUI Pengduo;PEI Siyuan(Economics Management College,Weifang University of Science and Technology,Weifang 262700,China;Asset and Liability Management Department,Industrial and Commercial Bank of China,Beijing 100032,China)

机构地区：[1]潍坊科技学院经济管理学院,山东潍坊262700 [2]中国工商银行资产负债管理部,北京100032

出　　处：《商业观察》2025年第10期16-20,共5页BUSINESS OBSERVATION

摘　　要：数字金融的发展对各地区经济增长具有重要的现实意义。文章基于北京大学编制的数字普惠金融指数,研究数字金融对我国各地区经济增长的影响。研究发现:数字金融对地区经济增长具有显著的促进作用;通过分析“数字金融—居民消费与地区创业—经济增长”的传导机制,发现数字金融能够通过提升居民消费和推动地区创业促进经济增长;有效的金融监管是数字金融促进地区经济增长的重要保障,在金融监管的支持下,数字金融对地区经济的正向促进作用能够得到更充分的发挥。The development of digital finance has important practical significance for economic growth in various regions. This article is based on the Digital Inclusive Finance Index compiled by Peking University to study the impact of digital finance on economic growth in various regions of China. The study finds that digital finance has a significant promoting effect on regional economic growth. This article analyzes the transmission mechanism of digital finance-resident consumption and regional entrepreneurship-economic growth and finds that digital finance can promote economic growth through improving resident consumption and promoting regional entrepreneurship. Effective financial regulation is an important guarantee for digital finance to promote regional economic growth, and under the financial regulation, it can better play the positive role of digital economy in promoting regional economy.

关 键 词：数字金融 居民消费 地区创业 经济增长 

分 类 号：F49[经济管理—产业经济]