技术创新、数字经济、数字金融的作用机制研究

Research on the Role Mechanism of Technological Innovation, Digital Economy, and Digital Finance

摘要: 数字金融作为传统金融通过科技赋能方式形成的新产物，技术创新的提高对数字经济的高质量发展产生至关重要的影响。本文基于2013~2022年中国31个省市的统计数据，探讨技术创新对数字进入的影响及其作用渠道。研究发现，技术创新确实对数字金融发展存在促进作用，其中技术创新能力较高的地区对数字金融的促进作用更为显著。进一步来看，机制分析表明数字经济作为技术创新和数字金融的作用渠道，在技术创新对数字金融的影响中扮演部分中介的作用。本文的研究结论为数字金融的发展优化、实现创新驱动及完善金融监管框架提供可靠经验证据和政策启示。

Abstract: As a new product formed by traditional finance through technology-enabled approach, the improve-ment of technological innovation has a crucial impact on the high-quality development of digital economy. This paper explores the impact of technological innovation on digital entry and its channels of action based on statistics from 31 Chinese provinces and cities from 2013 to 2022. It is found that technological innovation does have a catalytic effect on the development of digital finance, with regions with higher technological innovation capacity having a more significant role in promoting digital finance. Further, the mechanism analysis shows that the digital economy, as a channel for technological innovation and digital finance, plays a part in mediating the effect of technological innovation on digital finance. The findings of this paper provide reliable empirical evidence and policy implications for optimizing the development of digital finance, realizing the innovation drive and improving the financial regulatory framework.