【摘要】 本文选取中国地级城市面板数据,研究市场潜能、制度环境对数字金融发展的影响。结果发现:市场潜能显著促进数字金融发展,其传导机制在于扩大数字金融覆盖广度,拓展数字金融产品使用深度与数字化程度;市场潜能对数字金融发展的促进作用存在制度环境门限效应,在制度环境越好的地区,市场潜能越能够促进数字金融发展。区域异质性检验发现,相比中西部地区,市场潜能对数字金融发展的促进作用在东部地区更加明显。更多还原

【Abstract】 This paper selects the panel data of China’s prefecture-level cities to study the impact of market potential and institutional environment on the development of digital finance.The results show that the market potential significantly promotes the development of digital finance,and its transmission mechanism lies in expanding the coverage of digital finance,and expanding the using depth and digitalization degree of digital financial products;there is a threshold effect of institutional environment in the promotion of market potential to the development of digital finance,the better the institutional environment is,the more the market potential can promote the development of digital finance.The regional heterogeneity test shows that compared with the central and western regions,the market potential played a more obvious role in promoting the development of digital finance in the eastern region.更多还原