经济学报2025，Vol.12Issue(2)：135-153,19.
数字普惠金融对地区金融韧性提升的影响
The Impact of Digital Inclusive Finance on Regional Financial Resilience:An Empirical Analysis Based on Panel Data of 283 Cities
摘要
Abstract
Digital inclusive finance is an important engine for enhancing regional financial resilience in the new development stage.Based on this,this paper takes digital inclusive finance as the starting point and uses the panel data of 283 cities from 2011 to 2019 to explore the impact of digital inclusive finance on China's regional financial resilience.The results show that digital inclusive finance has a significant role in enhancing regional financial resilience.The education level and consumption level are important transmission mechanisms between the two,and the improvement of the innovation and entrepreneurship level is conducive to the effective play of this role.Meanwhile,this role shows significant heterogeneous characteristics in the sub-dimensions,business segments,geographical locations,traditional financial development and the degree of opening up of digital inclusive finance.In addition,there is a certain non-linear relationship between the impact of digital inclusive finance on regional financial resilience,specifically presenting an inverted U-shaped structure.The conclusions of this paper not only provide a new perspective for in-depth understanding of the impact of digital inclusive finance on China's financial development,but also point out the direction for accelerating the construction of a financial powerhouse in the new era.关键词
数字普惠金融/金融韧性/教育水平/消费水平/创新创业水平分类
社会科学引用本文复制引用
林春,张鑫,孙英杰..数字普惠金融对地区金融韧性提升的影响[J].经济学报,2025,12(2):135-153,19.基金项目
本研究受辽宁省属本科高校基本科研业务费专项资金项目"中国城市金融韧性识别及其数智驱动因素研究"(项目编号:LDJBKYSK2024006) （项目编号:LDJBKYSK2024006）
辽宁大学研究阐释党的二十届三中全会精神研究专项项目"智慧城市建设对城市金融韧性影响研究"(项目编号:2024LDZX013)的资助. （项目编号:2024LDZX013）
