数字金融对区域经济增长的影响——基于长三角地区经济的实证研究

Digital Finance’s Impact on Regional Economic Growth—An Empirical Study Based on the Economy of the Yangtze River Delta Region

摘要: 数字信息发展变化时代，各种信息相互融合发展，互联网数字与金融的结合就产生一种新的商业形式——数字金融，数字金融的发展对于区域经济的发展有着重要作用。长三角地区作为中国经济最具活力的地区之一，拥有优越的地理位置和坚实的经济基础，研究长三角地区的数字金融发展对于我国其他地区的研究发展也有一定借鉴作用。本文以长三角地区为研究对象，系统考察了数字金融对区域经济的影响。研究发现：数字金融发展对长三角地区经济增长具有显著的正向促进作用，且该结论在替换被解释变量、替换核心解释变量后依然稳健；人力资本、固定资产投资、科技支出与实际利用外资是推动长三角地区经济增长的重要辅助因素；部分控制变量间存在轻度多重共线性，但未影响核心结论，不存在显著异方差。基于上述研究结果，本文提出一系列相关建议，旨在充分发挥数字金融的经济赋能作用，推动长三角地区迈向更高质量的经济发展阶段。

Abstract: In the era of digital information development, the integration of the Internet and finance has given rise to Internet finance, which exerts a significant influence on regional economic development. As one of the most dynamic regions in China, the Yangtze River Delta boasts superior geographical location and solid economic foundation. Research on Internet finance in this region can provide reference for other regions in China. Taking the Yangtze River Delta as the research object, this paper systematically examines the impact of Internet finance on regional economy. The results show that Internet finance has a significant positive effect on regional economic growth, and this conclusion remains robust after replacing explained variables and core explanatory variables. Human capital, fixed asset investment, science and technology expenditure, and foreign capital utilization are important auxiliary factors driving economic growth. There is slight multicollinearity among some control variables, but it does not affect the core conclusions, and there is no significant heteroscedasticity. Based on the above findings, this paper puts forward relevant suggestions to give full play to the economic empowerment of Internet finance and promote high-quality economic development in the Yangtze River Delta.