金融理论与教学2026，Vol.44Issue(2)：36-47,106,13.
新质生产力的发展能否反哺金融业?
Can Development of New Quality Productive Forces Give Back to the Financial Industry?An Empirical Study from the Perspective of Local Bank Credit Risk Prevention and Control
摘要
Abstract
This study empirically examines the feedback effect of new quality productive forces on the financial sector from the perspective of local bank credit risk prevention and control.Research has found that the development of new quality productive forces in provincial areas can improve the quality of enterprise operation,thereby helping to curb credit risks for local banks within their jurisdiction.In addition to direct impact,the development of new quality productive forces in the province can also indirectly contain its credit risk through two ways:reducing the willingness of local banks to bear risks and decreasing their dependence on traditional interest bearing businesses.Optimizing the provincial industrial structure and enhancing the level of market integration can help strengthen the inhibitory effect of new quality productive forces on credit risks.In addition,at the micro level,new quality productive forces are characterized by supporting the weak and helping the poor.For weak local banks with small asset size,severe employee redundancy,and low digitalization levels,the risk curbing effect is stronger;at the macro level,the new quality productive forces can play a channeling and guiding role that enhances the inhibitory effect of stringent financial regulations on credit risks in local banks.关键词
新质生产力/金融业/信贷风险/产业结构优化/金融监管Key words
new quality productive forces/financial sector/credit risk/optimization of industrial structure/financial regulation分类
管理科学引用本文复制引用
王龑,杨皓健..新质生产力的发展能否反哺金融业?[J].金融理论与教学,2026,44(2):36-47,106,13.基金项目
2026年度辽宁省经济社会发展研究课题"人口老龄化影响商业银行系统性风险的机制分析、对策检验与辽宁省风险防控路径构建研究"(2026lslybkt-089). （2026lslybkt-089）
