| 摘要: |
| 海洋城市是“海洋建设”目标的载体和数字城市建设的先导力量，面对全球经济的不确定性，其经济韧性的增强离不开数字普惠金融的动能注入。文章利用2011—2019年我国53个海洋城市的面板数据，测度海洋城市经济韧性，并构建面板模型深入探究数字普惠金融对海洋城市经济韧性的作用机制及金融监管的调节效应。研究发现：数字普惠金融具有双重性，但对海洋城市经济韧性具有显著增强作用；城市特质分析表明，海洋经济圈、城市规模和行政级别对数字普惠金融与海洋城市经济韧性的关系存在异质性；作用机制表明，数字普惠金融通过创业活跃度和消费能力影响海洋城市经济韧性；进一步分析，金融监管对数字普惠金融增强海洋城市经济韧性具有正向调节效应。这为数字普惠金融提高海洋城市经济韧性，助力数字海洋中心城市建设提供有益参考。 |
| 关键词: 数字普惠金融；海洋城市；经济韧性 金融监管 |
| DOI：10.20016/j.cnki.hykfygl.20240304.006 |
| 投稿时间：2023-06-25修订日期：2024-01-15 |
| 基金项目: |
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| Whether Digital Financial Inclusion Enhances the Economic Resilience of Ocean Cities：Research on the regulatory effect based on financial supervision |
| SHEN Jinsheng,GUO Hui |
| School of Economics Ocean University of China |
| Abstract: |
| Ocean city is the carrier of the goal of “marine construction” and the leading force of digital city construction, the enhancement of its economic resilience cannot be separated from the momentum injection of digital inclusive finance. This paper uses the panel data of 53 ocean cities in China from 2011 to 2019 to measure the economic resilience of ocean cities, and constructs a panel model to deeply explore the mechanism of digital inclusive finance on the economic resilience of ocean cities and the regulatory effect of financial supervision. The study finds that digital financial inclusion has dual nature, but it has a significant effect on the economic resilience of ocean cities. The analysis of city characteristics shows that there is heterogeneity in the relationship between digital financial inclusion and economic resilience of marine cities in marine economic circles, city sizes and administrative levels. The mechanism shows that digital inclusive finance affects the economic resilience of ocean cities through entrepreneurial activity and consumption power. Further analysis, financial supervision has a positive moderating effect on digital inclusive finance to enhance the economic resilience of ocean cities. This provides a useful reference for digital inclusive finance to improve the economic resilience of ocean cities and help the construction of digital ocean center cities. |
| Key words: Digital inclusive finance, Marine cities, Economic resilience, Financial supervision |
