数字金融对经济发展质量影响的区域异质性研究

Research on Regional Heterogeneity of the Impact of Digital Finance on the Quality of Economic Development

我国实施改革开放以来经济迅猛崛起,历经几十年的快速发展,所取得的成就举世瞩目,并成为世界前列的经济体,但是成绩背后所隐藏的问题也同样需要引起注意,其中值得关注的一项就是区域经济发展不平衡问题。当前,我国正处于经济社会发展的转型期,经济面临下行压力,区域经济发展正在遭遇一些“卡脖子”问题,在此背景下,如何充分发挥数字金融的独特优势,则成为破解区域经济发展难题的关键点。数字金融的优势在于客户分布范围更广泛、成本与传统金融相比更低,这使得数字金融能够更好地为中小微企业、低收入群体提供更符合其自身需要的金融产品和服务。更重要的是,数字金融还能全面激发市场创新活力,从而为区域经济的平衡发展奠定坚实基础并进而创造有利条件。

Since the implementation of the reform and opening-up policy,China's economy has experienced rapid growth,achieving remarkable results that have garnered global attention and positioning the country among the world's leading economies.However,behind these achievements are issues that need to be addressed,notably the problem of regional economic imbalance.Currently,China is in a period of economic and social transition,facing downward pressure on the economy,with regional economic development encountering some"bottleneck"problems.In this context,leveraging the unique advantages of digital fi nance has become a key solution to addressing regional economic development challenges.Digital finance offers broader customer distribution and lower costs compared to traditional fi nance,enabling it to better provide fi nancial products and services tailored to the needs of small and micro enterprises and low-income groups.More importantly,digital fi nance can stimulate market innovation,laying a solid foundation for balanced regional economic development and creating favorable conditions for achieving equitable economic growth.