摘要
数字金融是数字经济时代金融与科技深度融合的革命性产物,众多学者对数字金融的发展所产生的经济效应进行研究,论文采用文献梳理法对近两年来有关数字金融的文献进行梳理总结,发现数字金融对经济活动的影响是多维度的,主要涉及企业部门、银行部门、家庭部门和宏观经济等方面的研究。在对企业部门的影响方面,数字金融的发展解决了企业融资约束问题,提高了企业的全要素生产率、财务绩效和创新水平,推动企业实现高质量发展。在对银行部门的影响方面,数字金融的发展提高了银行的经营效率、盈利能力和创新水平,促使银行更好地服务于实体经济。在对家庭部门的影响方面,数字金融提升了家庭金融资产组合的配置效率,提高了居民收入水平和消费水平,降低了农村家庭的贫困程度。在对农业部门的影响方面,数字金融推动了农村经济的高质量发展、提升了农村居民的收入水平和消费水平。在对宏观经济的影响方面,数字金融促进了产业结构升级、提高了货币政策的有效性,推动经济高质量发展。
Digital finance is a revolutionary product of the deep integration of finance and science and technology in the era of digital economy.Many scholars have studied the economic effects generated by the development of digital finance.In this paper,literature review is adopted to review and summarize literatures related to digital finance in the past two years,and it is found that digital finance has a multi-dimensional impact on economic activities.Mainly involved in the enterprise sector,banking sector,household sector and macroeconomic research.In terms of its impact on the corporate sector,the development of digital finance has solved the problem of corporate financing constraints,improved the total factor productivity,financial performance and innovation level of enterprises,and promoted enterprises to achieve high-quality development.In terms of its impact on the banking sector,the development of digital finance has improved the operational efficiency,profitability and innovation level of banks,prompting banks to better serve the real economy.In terms of its impact on the household sector,digital finance has improved the allocation efficiency of the household financial asset portfolio,increased the income level and consumption level of residents,and reduced the poverty level of rural households.In terms of the impact on the agricultural sector,digital finance has promoted the high-quality development of the rural economy,increased the income level of rural residents,and increased the consumption level of rural residents.In terms of its impact on the macro economy,digital finance promotes the upgrading of industrial structure,improves the effectiveness of monetary policy,and promotes high-quality economicdevelopment.
作者
王博
欧阳日辉
康琦
WANG Bo;OUYANG Ri-hui;KANG Qi
出处
《农村金融研究》
北大核心
2024年第1期3-14,共12页
Rural Finance Research
基金
国家社会科学基金重大项目“数字经济高质量发展的创新与治理协同互促机制研究”(编号:22&ZD070)的研究成果。
关键词
数字金融
企业部门
银行部门
家庭部门
农业部门
宏观经济
Digital Finance
Corporate Sector
Banking Sector
Household Sector
Agricultural Sector
Macroeconomy
