%0 Journal Article
%T 数字普惠金融对区域经济韧性的影响研究<br>Research on the Impact of Digital Financial Inclusion on Regional Economic Resilience
%A 陈改兰
%J Finance
%P 180-187
%@ 2161-0975
%D 2024
%I Hans Publishing
%R 10.12677/FIN.2024.141020
%X 以我国2011~2021年省际面板数据为研究样本，采用固定面板模型和中介效应模型探讨普惠金融对我国区域经济韧性的影响。结果发现：1) 基准分析中，数字金融对经济韧性具有显著的正向促进作用；2) 中介效应分析中，数字金融通过促进消费升级、提高产业升级对经济韧性产生促进作用。同时发现消费升级和产业升级之间存在链式中介效应。3) 异质性分析中，数字金融对经济韧性的促进作用存在显著的结构异质性、地区异质性。最后，依据实证结论得出相关政策启示。<br />
Taking China’s inter-provincial panel data from 2011 to 2021 as the research sample, the fixed panel model and the intermediary effect model are used to explore the impact of inclusive finance on China’s regional economic resilience. The results show that: 1) In the benchmark analysis, digital finance has a significant positive effect on economic resilience, and 2) In the intermediary effect analysis, digital finance has a positive effect on economic resilience by promoting consumption upgrading and improving industrial upgrading. At the same time, it is found that there is a chain mediation effect between consumption upgrading and industrial upgrading. 3) In the heterogeneity analysis, there is significant structural heterogeneity and regional heterogeneity in the promotion of economic resilience of digital finance. Finally, the relevant policy implications are drawn based on the empirical conclusions.
%K 数字金融，区域经济韧性，消费升级，产业升级<br>Digital Finance
%K Regional Economic Resilience
%K Consumption Upgrading
%K Industrial Upgrading
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=79545