数字金融对经济增长的影响

The Impact of Digital Finance on Economic Growth

数字金融发展迅速,对经济增长产生了巨大的影响。从数字金融通过促进贷款业务和居民消费、丰富金融业的业务体系、提高金融资源的配置效率以及降低交易成本促进经济增长的角度,总结梳理数字金融对经济增长的影响机制,运用全国210个重要城市的面板数据实证分析我国数字金融对经济增长的影响,结果表明:数字金融对经济增长确实存在显著性的影响,数字金融每增加1%,经济增长将会增加0.26%。基于此,提出了富有建设意义的对策建议。

The rapid development of digital finance has had a huge impact on economic growth.This paper summarizes and sorts out,by using panel data of 210 important cities across the country,the impact mechanism of digital finance on economic growth:promoting loan business and resident consumption,enriching the business system of the financial industry,improving the allocation efficiency of financial resources and reducing transaction costs.The results show that digital finance does have a significant impact on economic growth,and that economic growth will increase by 0.26%for every 1%increase in digital finance.Based on this,some meaningful and constructional countermeasures and suggestions are puts forward.