【摘要】 数字金融作为金融创新与数字技术融合的产物，不仅能助力县域经济在外部环境波动中稳定发展，更能通过其服务体系的构建为安徽县域经济韧性的提升注入强劲动力。本文利用2014—2022年安徽省59个县域的面板数据作为支撑，通过实证研究探讨数字金融与安徽县域经济韧性之间的关联性。结果表明：(1)数字金融发展能显著提升安徽县域经济韧性；(2)从中介作用来看，数字金融能够通过提升乡村创新创业水平增强安徽县域经济韧性；(3)从调节作用来看，数字金融发展过程中，产业结构高级化对安徽省县域经济韧性具有显著正向影响；(4)从异质性检验来看，数字金融对皖南、皖北和金融排斥程度强的县域具有正向促进作用，对皖中和金融排斥程度弱的县域呈负向促进作用。鉴于此，政府应坚定不移加快安徽省数字金融发展，积极强化数字金融的创新创业效应和产业结构升级效应，同时因地制宜、因时制宜出台适合各县域数字金融发展的政策措施。更多还原

【Abstract】 As a product of the integration of financial innovation and digital technology, digital finance not only helps county-level economies develop stably amid fluctuations in the external environment, but also injects strong impetus into enhancing the resilience of county-level economies in Anhui Province through the construction of its service system. This article uses the panel data of 59 counties in Anhui Province from 2014 to 2022 as support and explores the correlation between digital finance and the economic resilience of Anhui’s counties through empirical research. The results show that:(1) The development of digital finance can significantly enhance the economic resilience of counties in Anhui Province;(2) From the perspective of intermediary role, digital finance can enhance the resilience of county economies in Anhui Province by improving the level of innovation and entrepreneurship in rural areas.(3) From the perspective of regulatory effect, during the development of digital finance, the upgrading of industrial structure has a significant positive impact on the resilience of county-level economies in Anhui Province.(4) From the perspective of heterogeneity tests, digital finance has a positive promoting effect on counties in southern Anhui, northern Anhui and those with a strong degree of financial exclusion, while it has a negative promoting effect on counties in central Anhui and those with a weak degree of financial exclusion. In view of this, the government should unswervingly accelerate the development of digital finance in Anhui Province, actively enhance the innovation and entrepreneurship effect and industrial structure upgrading effect of digital finance, and at the same time, introduce policies and measures suitable for the development of digital finance in each county based on local conditions and The Times.更多还原