创新科技2026，Vol.26Issue(5)：80-92,13.DOI:10.19345/j.cxkj.1671-0037.2026.5.6
数字普惠金融与企业数字技术创新
Digital Inclusive Finance and Enterprise Digital Technology Innovation
摘要
Abstract
Accelerating the promotion of digital technology innovation is a key support for achieving high-quality development of the digital economy.Digital technology innovation is a systematic innovation activity based on new-generation digital technologies such as big data and artificial intelligence,with data as the core element,creatively reconstructing technology,prod-ucts,services,and processes,and generating new technologies,products,services,business forms,and models.Compared with traditional technological innovation,digital technology inno-vation shows significant differences in the structure of innovation elements,input models,diffu-sion speed,risk characteristics,and externalities,presenting high data dependence,generality,disruptiveness,and ecological dependence,and thus is more sensitive to the external financing environment.Digital inclusive finance,leveraging the advantages of digital technology and its in-clusive nature,can not only alleviate the financing constraints of enterprises but also optimize corporate governance through information penetration.Its enabling effect on digital technology innovation has gradually become a focus of academic and policy attention.This paper examines the enabling effect,mechanism,and boundary of digital inclusive finance on the digital technol-ogy innovation of Chinese listed companies based on digital patent data from 2011 to 2023,aim-ing to stimulate the digital innovation vitality of listed companies and provide new micro-level evidence for China's strategy of becoming a financial and digital power.The research results show that:First,digital inclusive finance can significantly drive the digital technology innovation of enterprises.Second,the resource support mechanism and governance optimization mechanism are the dual mechanisms through which digital inclusive finance drives the digital technology in-novation of enterprises.Finally,the lack of a financial background of the CEO,the private owner-ship nature of the enterprise,the small and medium-sized scale of the enterprise,and the low marketization degree of the region enhance the promoting effect of digital inclusive finance on the digital technology innovation of enterprises.The possible marginal contributions of this paper are as follows:First,previous studies tend to analyze the impact of digital technology innovation on enterprise performance,total factor productivity,etc.This paper is among the earlier ones to explore the impact of digital inclusive finance on the digital technology innovation of enterprises and analyzes its internal mechanism from the perspectives of resource effect and governance ef-fect,providing a useful supplement to the literature on the impact of digital inclusive finance and the driving factors of digital technology innovation.Second,it enriches the measurement basis of enterprise digital technology innovation.This paper uses the digital patent data of listed compa-nies to measure the digital technology innovation of enterprises,better separating the digital tech-nology innovation activities from the non-digital technology innovation activities of enterprises,providing a research basis and academic reference for subsequent studies on enterprise digital technology innovation.关键词
数字普惠金融/数字技术创新/融资约束/公司治理/数字化转型/人工智能/数字经济/高质量发展Key words
digital inclusive finance/digital technology innovation/financing constraints/corporate governance/digital transformation/artificial intelligence/digital economy/high-quality development分类
管理科学引用本文复制引用
李井林,陈欣然,常哲恺,阳镇..数字普惠金融与企业数字技术创新[J].创新科技,2026,26(5):80-92,13.基金项目
国家社会科学基金重点项目"支撑企业新质生产力形成的创新模式与创新政策研究"(24AGL018) （24AGL018）
中国社会科学院登峰战略企业管理优势学科建设项目(DF2023YS25) （DF2023YS25）
湖北省教育厅哲学社会科学研究项目"新时代推动国有企业和民营企业高质量协同发展研究"(25D056) （25D056）
辽宁省社会科学规划基金项目"数字并购促进辽宁省企业新质生产力发展的机制及路径研究"(L25AGL002). （L25AGL002）
