关键词:  , 数字金融, 经济高质量发展, 金融功能, 金融监管

Abstract: In order to promote the high-quality development of China’s economy, the impact of digital finance on the high-quality economic development is theoretically analyzed based on the perspective of financial functions, and the 2011—2018 provincial panel data is used to empirically test the hypotheses of the theoretical analysis. The empirical results show that digital finance can promote high-quality economic development by improving financial availability and resource allocation efficiency. In the heterogeneity test, it is found that targeted digital financial supervision can enhance the promotion effect; in addition, the promotion effect will be affected by regional heterogeneity. The promotion effect in the central region is greater than that in the west, and the least is the east. Therefore, in order to promote the high-quality development of China’s economy, it is necessary to strengthen targeted financial supervision and prevent systemic financial risks while accelerating the development of digital finance.

Key words: digital finance, high-quality economic development, financial function, financial supervision