随着数字化时代的到来，数字金融和科技创新在经济领域中的发展越来越受关注，为实现经济高质量发展带来了新的机遇。基于2013—2022年我国31个省份的面板数据，探究了数字金融与科技创新如何具体作用于区域经济发展，并对其影响机制进行了实证分析。研究结果显示：数字金融在推动区域经济发展中发挥着显著的积极作用，此结论在经过稳健性检验后依然成立；在数字金融推动区域经济发展的过程中，科技创新起到了中介作用；数字金融的不同维度——覆盖广度、使用深度和数字化程度对区域经济增长的影响力度具有差异性，其中覆盖广度的促进作用最为突出，而使用深度、数字化程度的影响则相对较弱；弱政府干预和强人力资本对数字金融促进区域经济发展的赋能效应更为显著。针对以上结论，对问题提出相关对策建议。

With the arrival of the digital era, the development of digital finance and science and technology innovation in the economic field has attracted more and more attention, which brings new opportunities for achieving high-quality economic development. Based on the panel data of 31 provinces in China from 2013 to 2022, we explored how digital finance and science and technology innovation specifically play a role in regional economic development, and empirically analysed their influence mechanisms. The results of the study show that: digital finance plays a significant positive role in promoting regional economic development, and this conclusion still holds after the robustness test; science and technology innovation plays an intermediary role in the process of digital finance promoting regional economic development; different dimensions of digital finance - breadth of coverage, depth of use and degree of digitisation - have different impacts on regional economic growth are differentiated in their strength, with the breadth of coverage having the most prominent promotional effect, while the depth of use and the degree of digitisation have relatively weaker effects; the enabling effects of weak government intervention and strong human capital are more significant for digital finance to promote regional economic development. In response to the above conclusions, relevant countermeasures are proposed to the problem. Translated with DeepL.com (free version)