数字普惠金融如何赋能企业数字化转型
How Digital Inclusive Finance Enables Digital Transformation of Enterprises
凌鸿程 1阳镇 2陈劲3
作者信息
- 1. 江西财经大学应用经济学院(数字经济学院),江西 南昌 330013
- 2. 中国社会科学院工业经济研究所,北京 100006;清华大学技术创新研究中心,北京 100084
- 3. 清华大学技术创新研究中心,北京 100084;清华大学经济管理学院,北京 100084
- 折叠
摘要
如何驱动企业数字化转型已成为学术界的重要议题,已有研究忽视了经济层面的因素对企业数字化转型的影响.基于世界银行中国企业调查数据,实证检验了数字普惠金融对企业数字化转型的影响及其影响机制.研究结果表明:数字普惠金融显著促进了企业数字化转型;数字普惠金融主要通过缓解融资约束和拓宽融资渠道两条途径促进企业数字化转型;正式制度负向调节数字普惠金融对企业数字化转型的影响,而行业竞争则正向调节数字普惠金融对企业数字化转型的促进作用.
Abstract
How to drive enterprise digital transformation has become an important issue in academia,and existing studies neglect the impact of economic-level factors on enterprise digital transformation.Based on the data of the World Bank China Enterprise Survey,we empirically examine the impact of digital financial inclusion on enterprise digital transformation and its influencing mechanism.The results of the study show:Digital inclusive finance significantly promotes the digital transformation of enterprises;Digital inclusive finance promotes the digital transformation of enterprises mainly through two ways,namely,alleviating financing constraints and broadening financing channels;The formal system negatively moderates the impact of digital inclusive finance on the digital transformation of enterprises,while industry competition positively moderates the promotion of digital inclusive finance on the digital transformation of enterprises.
关键词
数字普惠金融/数字化转型/融资约束/制度环境/行业竞争Key words
digital inclusive finance/digital transformation/financing constraints/institutional environment/industry competition引用本文复制引用
出版年
2025
NETL
NSTL
万方数据