金融理论与教学2026，Vol.44Issue(4)：11-19,54,10.
数字普惠金融对文化产业发展的影响研究
Study on the Impact of Digital Inclusive Finance on Cultural Industry Development
摘要
Abstract
The development of information technology has driven the rise of digital inclusive finance.By lowering financing threshold for cultural enterprises and channeling resources toward high-quality creative projects,digital inclusive finance profoundly influences the development of the cultural industry.Utilizing panel data from 31 provincial-level administrative regions in China spanning 2015 to 2022,this study conducts an empirical analysis on the impact of digital inclusive finance on cultural industry development.The findings indicate that digital inclusive finance serves as a potent driver for the cultural industry,with both its breadth of coverage and depth of usage yielding significant positive promotional effects.Nonetheless,due to the time lag in converting technology into actual output,the short-term influence of the digitalization process is not significant.Heterogeneity analysis demonstrates that digital payment exerts a more substantial promotional effect among various business types;geographically,the empowerment effect is more pronounced in the eastern region compared to the central and western regions.Mechanism tests reveal that digital inclusive finance primarily empowers the cultural industry by enhancing the cultural consumption levels of rural residents.In contrast,the high financial accessibility enjoyed by urban residents renders this mediating effect insignificant within urban samples.This study enriches the theoretical research system on the nexus between digital inclusive finance and cultural industry development,offering practical policy recommendations on leveraging digital inclusive finance to foster the growth of the cultural industry.关键词
数字普惠金融/文化产业发展/文化消费水平Key words
digital inclusive finance/cultural industry development/cultural consumption level分类
管理科学引用本文复制引用
张博,冯艺,刘任重..数字普惠金融对文化产业发展的影响研究[J].金融理论与教学,2026,44(4):11-19,54,10.基金项目
黑龙江省哲学社会科学研究规划专题项目(25JLH002) （25JLH002）
黑龙江省哲学社会科学研究规划项目(23YSD243) （23YSD243）
黑龙江省经济社会发展重点研究课题(专项课题)(24561) （专项课题）
2025年度法治建设与法学理论研究部级科研项目立项课题(25SFB2034) （25SFB2034）
黑龙江省艺术科学规划项目(2023B033 （）
2024D036). （）
