数字金融与科技创新对区域经济发展的影响研究

Research on the impact of digital finance and technological innovation on regional economic development

基于2013—2022年我国31个省份的面板数据,探究了数字金融与科技创新如何具体作用于区域经济发展,并对其影响机制进行了实证分析。研究结果显示:数字金融在推动区域经济发展中发挥着显著的积极作用,此结论在经过稳健性检验后依然成立;在数字金融推动区域经济发展的过程中,科技创新起到了中介作用;数字金融的不同维度——覆盖广度、使用深度和数字化程度对区域经济增长的影响力度具有差异性,其中覆盖广度的促进作用最为突出,而使用深度、数字化程度的影响则相对较弱;弱政府干预和强人力资本对数字金融促进区域经济发展的赋能效应更为显著。针对以上结论,对问题提出相关对策建议。

Based on panel data from 31 provinces in China from 2013 to 2022,this study explored how digital finance and technological innovation specifically affect regional economic development,and conducts empirical analysis on their impact mechanisms.The research results show that digital finance plays a significant positive role in promoting regional economic development,and this conclusion still holds true after robustness testing;In the process of promoting regional economic development through digital finance,technological innovation plays an intermediary role;the impact of different dimensions of digital finance-coverage breadth,usage depth,and digitalization degree-on regional economic growth varies.Among them,the promotion effect of coverage breadth is the most prominent,while the impact of usage depth and digitalization degree is relatively weak;the empowering effect of weak government intervention and strong human capital on promoting regional economic development through digital finance is more significant.Based on the above conclusions,propose relevant countermeasures and suggestions for the problem.