The synergistic development of manufacturing and digital economy brings about the improvement of industrial operation efficiency and the transformation of production methods,which is an important driver of the high-quality development of manufacturing industry.Based on this,the article use the vertical and horizontal scatter degree method to measure the level of high-quality development of manufacturing and digital economy in 30 Chinese provinces from 2011 to 2020,and combine the coupling coordination degree model,Barrier Degree Model,Dagum Gini coefficient and Moran index to measure the coupling coordination degree of digital economy and high-quality development of manufacturing and analysis the regional differences,sources and spatial effects.The research shows that:(1)The coupling coordination degree of digital economy and high-quality development of manufacturing in China shows an upward trend from 2011 to 2020,but the coupling coordination levels are mainly barely coordination and primary coordination,and presents an uneven spatial pattern of"high in the east and low in the west"and"higher in the coast than inland".(2)The main factors restricting the coupling coordination of various provinces include the penetration rate of the Internet,the number of mobile Internet users,as well as the openness to foreign investment and the contribution to innovation.(3)The Dagum Gini coefficient shows that the overall differences of coupling coordination degree between manufacturing high-quality development and digital economy show a downward trend,mainly from the inter-regional difference.(4)Moran index shows that the coupling coordination degree of digital economy and high-quality development of manufacturing has a significant spatial correlation and agglomeration effect.
科创金融是驱动微观主体创新的重要动力。本文聚焦科技型上市公司融资约束，通过对2015～2021年浙江地区在沪深两市科技型上市公司的财务指标的处理与分析，检验基于企业生命周期理论下区域金融发展对科创型上市公司融资约束的影响，并进一步分析其融资结构的偏好差异。实证结果发现，科技型上市公司融资约束缓解力度确实受益于区域金融的发展，展现出良好的正向作用。同时，处于不同生命周期的科创企业受外部融资环境变化的影响程度，以及融资约束缓解能力具有显著的差异性特征；从融资结构偏好来看，外部融资环境的改善对不同生命周期的企业融资方式的选择具有调节效应。其中，成熟期企业从信贷融资（间接融资）转向外部股权融资（直接融资）幅度最大。本文丰富了科创型企业融资约束的缓解及影响研究，并结合浙江省域实际，提出相关建议。
普惠金融被提升到国家战略高度,数字普惠金融备受关注.数字技术与普惠金融贷款业务相结合,在业务规模扩张、管理机制、产品创新、科技赋能、大数据和模型等新型管理工具的应用表现出新特点,形成四大类业务模式,推动普惠金融贷款业务规模快速发展.鉴于此,本文提出商业银行应从治理架构体系、基础设施平台、合作机构管理机制、数字化风控工具箱和产品评估机制等五个维度入手,推动数字化普惠金融贷款业务高质高效发展.
社会保障是有益品,更是一种社会政策.为了响应新时代号召,解决现阶段人民日益增长的美好生活需要和不平衡不充分的发展之间的我国社会主要矛盾,我国社会保障制度需要实现"自上而下"的国家治理与"自下而上"的公平正义,需明确对应的本位性理论基础.本文立足于中国实践,借鉴国际方案,提出了"社会保护"的社会保障融合性本位,旨在拓宽社会保障功能边界,达到维持社会稳定、平滑社会风险、增进社会福利的政策目的,发挥社会保障政策工具的更好经济社会效益.
本文选取我国A股上市银行财务数据,通过余弦相似度模型测算了银行间同质化水平,并实证检验了银行同质化与系统性风险的关系.结论表明,整体而言,我国上市银行同质化水平的提高可以显著降低其系统性风险,但这种影响效果与银行性质及贷款占比有关.机制检验显示,银行同质化可以通过降低银行个体风险和加强银行业竞争水平的渠道抑制系统性风险.基于以上结论,本文从商业银行个体和监管当局的角度,针对性地提出政策建议.
