数字普惠金融发展对东北地区经济韧性的影响研究
Research on the Impact of the Development of Digital Inclusive Finance on the Economic Resilience of Northeast China

本文聚焦数字普惠金融发展对东北地区经济韧性的影响展开研究。东北地区作为我国重要的工业基地和农业产区，当前面临经济增长放缓、产业结构失衡等诸多挑战，提升经济韧性迫在眉睫。数字普惠金融借助数字技术的优势，为解决这些问题提供了新路径。研究通过理论分析，提出数字普惠金融发展对东北地区经济韧性具有显著正向促进作用的假设，并构建双向固定效应模型进行实证检验。基准回归结果表明，数字普惠金融发展水平对东北地区经济韧性均呈现显著的正向影响。稳健性检验进一步证实了该结果的可靠性。异质性分析发现，数字普惠金融发展深度和数字化程度对东北地区经济韧性有显著的正向影响，而发展广度的影响不显著。研究结论显示，数字普惠金融可通过增强金融服务可得性、促进创新创业、优化产业结构升级和提升风险管理能力等方面，有效提升东北地区经济韧性。基于此，文章提出加强基础设施建设、提升金融素养水平和强化风险防控体系等政策建议，旨在推动东北地区数字普惠金融发展，进而提升经济韧性，实现经济可持续发展。
This paper focuses on the study of the impact of the development of digital inclusive finance on the economic resilience of Northeast China. As an important industrial base and agricultural production area in China, Northeast China is currently facing many challenges, such as the slowdown of economic growth and the imbalance of industrial structure. It is extremely urgent to enhance economic resilience. By leveraging the advantages of digital technology, digital inclusive finance provides a new path to solve these problems. Through theoretical analysis, this study proposes the hypothesis that the development of digital inclusive finance has a significant positive promoting effect on the economic resilience of Northeast China, and constructs a two-way fixed effects model for empirical testing. The results of the benchmark regression show that the development level of digital inclusive finance has a significant positive impact on the economic resilience of Northeast China. The robustness test further confirms the reliability of this result. The heterogeneity analysis finds that the depth of development and the degree of digitalization of digital inclusive finance have a significant positive impact on the economic resilience of Northeast China, while the impact of the breadth of development is not significant. The research conclusion shows that digital inclusive finance can effectively enhance the economic resilience of Northeast China by enhancing the accessibility of financial services, promoting innovation and entrepreneurship, optimizing industrial structure upgrading, and improving risk management capabilities. Based on this, the article puts forward policy suggestions such as strengthening infrastructure construction, improving the level of financial literacy, and strengthening the risk prevention and control system, aiming to promote the development of digital inclusive finance in Northeast China, thereby enhancing economic resilience and achieving sustainable economic development.