【摘要】 数字普惠金融作为数字化技术与普惠金融深度融合的产物，推动了我国外贸数字化进程，为我国外贸事业注入新的活力。研究以2011—2022年长三角地区41个地级市的面板数据为研究样本，实证分析数字普惠金融对外贸高质量发展的影响效应及机制。结果表明：一方面数字普惠金融能直接促进长三角地区外贸高质量发展；另一方面数字普惠金融可以通过产业结构升级、技术创新和人力资本水平的提高等渠道，助推长三角地区外贸高质量发展。进一步的门槛效应分析表明，只有当数字普惠金融发展水平超过特定门槛值后，其对外贸高质量发展的促进作用才会显著增强。更多还原

【Abstract】 Digital inclusive finance, as a product of the deep integration of digital technology and inclusive finance, has promoted the digitalization process of China’s foreign trade and injected new vitality into the country’s foreign trade industry. Using panel data from 41 prefecture-level cities in the Yangtze River Delta region from 2011 to 2022 as research samples, this research empirically analyzes the impact and mechanism of digital inclusive finance on the high-quality development of foreign trade. The results indicate that on the one hand, digital inclusive finance can directly promote the high-quality development of foreign trade in the Yangtze River Delta region. On the other hand,digital inclusive finance can promote the high-quality development of foreign trade in the Yangtze River Delta region through channels such as industrial structure upgrading, technological innovation, and improvement of human capital level. Further threshold effect analysis shows that only when the development level of digital inclusive finance exceeds a specific threshold value will its promoting effect on the high-quality development of foreign trade be significantly enhanced.更多还原