数字金融能促进工业发展吗?——基于新兴数字金融与传统银行数字化的视角
黄昌杰 1闻岳春1
作者信息
- 1. 广西大学经济学院(广西 南宁 530004)
- 折叠
摘要
发展数字金融助推工业发展,是实现实体经济高质量发展的重要途径.基于中国 31 个省、自治区、直辖市(不含港澳台)2011-2021 年的面板数据,从新兴数字金融和传统银行数字化两个角度实证分析数字金融对地区工业发展的影响效应和中介效应,研究结果表明:数字金融发展显著促进工业的发展,且在东部发达地区最明显,在中西部和东北欠发达地区则不显著;与传统银行数字化相比,新兴数字金融对工业发展促进效应起主导作用.中介效应检验显示:研发投入在数字金融对工业发展的影响过程中起到中介作用,这种中介效应主要通过新兴数字金融发生,而传统银行数字化的中介效应不显著.由此,本文提出进一步加大数字金融建设,完善数字金融监督制度和平衡地区数字金融发展水平以更好促进当地工业发展等政策建议.
Abstract
Developing digital finance to promote industrial development is an important way to achieve high-quality development of the real economy.Based on the panel data of 31 provinces,autonomous regions and municipalities directly under the central government(excluding Hong Kong,Macao and Taiwan)in China from 2011 to 2021,this paper empirically analyzes the impact and intermediary effect of digital finance on regional industrial development from the perspectives of emerging digital finance and digitalization of traditional banks.The results show that the development of digital finance significantly promotes the development of industry,which is most obvious in the developed eastern regions,but not in the central and western regions and the less developed regions in the northeast.Compared with traditional bank digitization,emerging digital finance plays a leading role in promoting industrial development.The mediation effect test shows that R&D investment plays a mediating role in the impact of digital finance on industrial development.This mediating effect mainly occurs through emerging digital finance,while the mediating effect of traditional bank digitization is not significant.Therefore,this article proposes policy recommendations such as further strengthening the construction of digital finance,improving the supervision system of digital finance and balancing the development level of regional digital finance to better promote the development of local industry.
关键词
数字金融/工业发展/中介效应/银行数字化Key words
digital finance/industrial development/mediation effect/bank digitization引用本文复制引用
基金项目
广西哲学社会科学规划重点项目(20AJY001)
浙江省哲学社会科学规划一般项目(18NDJC047YB)
浙江省软科学研究计划一般项目(2022C35067)
出版年
2024
NETL
NSTL
万方数据