数字金融对黄河流域城市绿色发展的影响研究
Research on the Impact of Digital Finance on the Green Development of Cities in the Yellow River Basin
DOI: 10.12677/ass.2026.1510874, PDF,    科研立项经费支持
作者: 李莎莎*, 刘兆乾, 张姣姣：齐鲁理工学院商学院，山东 济南
关键词: 数字金融；黄河流域；绿色发展；技术创新；Digital Finance； Yellow River Basin； Green Development； Technological Innovation
摘要: 绿色发展是高质量发展的必然要求，数字金融又对高质量发展与绿色转型具有不可替代的价值。本文立足黄河流域这一关键区域，在黄河流域生态保护与高质量发展战略深入推进的背景下，基于2017~2023年8个省级行政区79个城市的面板数据，实证检验数字金融对绿色发展的影响。研究发现，数字金融显著促进城市绿色发展，技术创新是数字金融赋能绿色发展的传导路径。同时，数字金融对绿色发展的促进作用在黄河流域上游、中游与下游城市群之间具有区域异质性，在中游城市群之间作用最强，在下游城市群之间作用最弱。基于此，从深化数字金融发展、强化数字金融对技术创新的支撑作用以及协同推进区域绿色转型方面提出黄河流域加快绿色发展的政策建议。
Abstract: Green development is an inevitable requirement for high-quality development, and digital finance has irreplaceable value for high-quality development and green transformation. Based on the key area of the Yellow River Basin, this paper empirically tests the impact of digital finance on green development based on the panel data of 79 cities in 8 provinces from 2017 to 2023 under the background of the further promotion of ecological protection and high-quality development strategy in the Yellow River Basin. The study finds that digital finance significantly promotes urban green development, and technological innovation is the transmission path for digital finance to enable green development. At the same time, the role of digital finance in promoting green development has regional heterogeneity among urban agglomerations in the upper, middle and lower reaches of the Yellow River Basin, with the strongest role among urban agglomerations in the middle reaches and the weakest among urban agglomerations in the lower reaches. Based on this, this paper puts forward policy suggestions on accelerating green development in the Yellow River Basin from the aspects of deepening the development of digital finance, strengthening the supporting role of digital finance in technological innovation and promoting regional green transformation.
文章引用：李莎莎, 刘兆乾, 张姣姣. 数字金融对黄河流域城市绿色发展的影响研究[J]. 社会科学前沿, 2026, 15(10): 577-586. https://doi.org/10.12677/ass.2026.1510874

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