数字金融赋能新质生产力的机制与对策研究
Mechanism and Countermeasures of Digital Finance Empowering New Quality Productive Forces

数字金融通过纠正资源错配显著驱动新质生产力发展。基于2011~2022年中国省级面板数据，采用固定效应模型与中介效应检验发现：数字金融直接提升新质生产力，并通过纠正资源错配间接贡献其增长；区域效应呈现“东强西升中缓”的异质性。研究为优化数字金融政策、破解区域失衡及推动生产力升级提供依据，强调需差异化布局数字基建、强化数据赋能与产业链协同。
Digital finance significantly drives the development of new quality productive forces by correcting resource misallocation. Based on provincial panel data from China spanning 2011 to 2022, this study employs fixed-effects models and mediation effect tests to reveal that digital finance directly enhances new quality productive forces and indirectly contributes to their growth by mitigating resource misallocation. Regional heterogeneity analysis shows a pattern of “stronger in the east, rising in the west, and slower in the central region.” The findings provide a theoretical basis for optimizing digital finance policies, addressing regional imbalances, and promoting productivity upgrades. This study emphasizes the need for differentiated digital infrastructure deployment, enhanced data empowerment, and industrial chain coordination.