数字金融作为经济发展的新动能，对于提升城市全要素生产率而言有着重要的影响。本文选取2011-2016年283个城市的数据，深入分析数字金融与城市全要素生产率之间的关系。研究发现：（1）数字金融所包含的三个维度均能对城市全要素生产率有着显著的促进作用；（2）数字金融能够在西部地区和低收入地区更好地发挥其优势作用，带动城市全要素生产率显著提升；（3）数字金融的使用深度对东部、中部地区城市全要素生产率的影响呈现出不同的特征，而对西部地区的影响并不显著。

As a new driving force for economic development, digital finance has an important impact on improving the city's total factor productivity. This article selects data from 283 cities from 2011 to 2016 to deeply analyze the relationship between digital finance and urban total factor productivity. The research found that: (1) The three dimensions of digital finance can significantly promote the total factor productivity of cities; (2) Digital finance can better play its advantageous role in the western region and low-income areas, and drive cities Total factor productivity has increased significantly; (3) The depth of use of digital finance has different characteristics in the impact of urban total factor productivity in the eastern and central regions, while the impact on the western region is not significant.

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国家自然科学基金青年项目“我国城市群协同创新网络研究：结构特征、形成机制与绩效评估”（项目编号：72003087）