数字金融发展推动经济高质量增长的影响因素研究

Research on the Influencing Factors of Digital Financial Development Promoting High-quality Economic Growth

目前,中国的数字金融发展已经走在世界前列,但各种数字金融创新模式的发展进程不同,加之数字金融具有高杠杆、涉及面广等特点,由此面临技术风险、系统风险等诸多潜在风险。文章研究表明,随着时间的推移,数字金融和互联网技术设施对经济增长的促进作用会越来越突出,高水平的互联网技术设施会促进数字金融普惠性的提升,数字金融基于互联网技术设施可以更好地拓展交易边界,从而推动经济增长。进一步研究表明,健康稳定的经济增长态势又可以促进数字金融的发展和互联网技术设施水平的再次提高。

At present,the development of digital finance in China is leading in the world.However,the development processes of various innovation modes of digital finance are different,so that digital finance is characterized by high leverage,involvement of a wide range,etc.It has many potential problems such as technical risks and system risks.The study shows that the digital finance and technical facilities of the Internet will promote economic growth more and more obvious over time.The high-level technical facilities of the Internet will promote the improvement of digital financial inclusion.Based on the technical facilities of the Internet,digital finance can expand the transaction boundary better,thus promoting economic growth.The further study shows that the healthy and stable economic growth trend can promote the development of digital finance and the further improvement of the level of technical facilities of the Internet.