摘要
数字金融作为一种新兴的服务模式,为中国制造业出口贸易注入了新的增长动力,其作用机理主要体现在融资服务的个性化、智能化、精准化、众筹化以及多元化。基于2011—2021年我国30个省份的制造业相关数据,实证检验数字金融对制造业的作用机理。研究表明:数字金融发展与应用,通过刺激银行业态和企业技术的创新,对制造业出口技术复杂度的提升具有积极效应,并存在区域差异性。进一步门槛检验显示,只有将监管力度维持在适度区间,才能释放数字金融服务效能,进而促进制造业对外贸易高质量发展。
Digital finance,as an emerging service model,has injected new growth momentum into China’s manufacturing export trade.Its working mechanism is mainly reflected in the personalization,intelligence,precision,crowdfunding,and diversification of financing services.Based on manufacturing-related data from 30 provinces in China during 2011-2021,this study empirically tests the mechanism of digital finance on the manufacturing industry,research confirms that the development and application of digital finance has a positive effect on improving the technological complexity of manufacturing exports through stimulating innovation in banking formats and enterprise technology,with regional variations.Further threshold tests show that only by maintaining regulatory intensity within an appropriate range can the effectiveness of digital financial services be released,thereby promoting high-quality development of manufacturing foreign trade.
作者
雷兴长
刘辛诺
LEI Xing-chang;LIU Xin-nuo(School of International Economics and Trade,Lanzhou University of Finance and Economics,Lanzhou 730000,Gansu)
出处
《延安大学学报(社会科学版)》
2025年第5期67-76,F0002,共11页
Journal of Yan'an University (Social Sciences Edition)
基金
国家社会科学基金一般项目“中国文化产品走向世界的战略对策研究”(11BGL109)。
关键词
数字金融
制造业出口
技术复杂度
digital finance
manufacturing exports
technological complexity
