2020 my country's historically eliminate absolute poverty，Created the "Chinese Miracle" in the history of poverty alleviation in the world。At the same time，my country's regional economic development differentiation situation is obvious，The phenomenon of development power polarization is increasingly prominent。August 2021，General Secretary Xi Jinping emphasized at the tenth meeting of the Central Finance and Economics Committee，Common Wealth is the essential requirements of socialism，It is an important feature of Chinese -style modernization，We must adhere to the people -centered development thought，Promote common prosperity in high -quality development。The gap between the economic development of regional economic development is not only an important force point to achieve common prosperity，It also helps promote coordinated regional development。In recent years，Use mobile payment、Digital finance represented by online banking is booming，It has become an important support for promoting the strength of tolerance and accelerating the high -quality development of the economy。

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Digital Finance breaks the time and space limit，With its tolerance, it provides residents and residents who are excluded by traditional financial systems and residents who are not developed.、Convenient financial supply。Due to digital payment、Digital Financial Management and other services is to set up and use digital accounts related to deposit accounts，The development of digital finance has bet365 live casino games promoted the growth of deposit business to a certain extent。At the same time，With the innovation and development and popular application of new generation of information technology，Digital Finance obtains more personal financial data，Credit risk issues that can alleviate small, medium and micro customer loans due to information asymmetry，Make sure that loans of low -income groups are available，Then promote the growth of regional loan business。Another，Digital Finance can also promote the growth of residents' consumption。On the one hand，Payment business of digital finance can greatly facilitate residents' payment activities、Reduce consumption transaction costs，to promote consumption growth; on the other hand，Consumer credit business in digital finance，It is conducive to alleviating the liquidity constraints of residents' consumption，to promote its increase in consumption。Existing research indicates，The higher the degree of digital finance in a region，The more faster the consumption of depository and residents in this area will increase。Visible，Digital Finance is exactly the increase in the effective allocation of capital and the increase of effective demand，Promote regional economic development。

In areas of different levels of development，Digital finance has a certain difference in the effect of promoting regional economic development。Theoretically speaking，The main mechanism of digital finance to promote economic growth is to reduce transaction costs and increase the touch of financial services，Incorporate small and medium -sized customers who are rejected by the traditional financial system,，So as to play its role in promoting the growth of loans and bet365 live casino games consumption。Therefore，Digital finance covers a customer group with a wider range of financial systems than the traditional financial system，To a certain extent, it becomes a supplement to traditional financial services。The economic growth effect of digital finance is its "long tail effect"，That is, by greatly reducing the cost of financial services，Extend the service field to more small and medium -sized customers business，To give full play to the inclusive effect of digital finance。Obviously，The more the number of small and medium -sized customers who have been rejected by traditional finance in a certain area、The deeper the degree of exclusion，Digital finance will play a long tail effect and inclusive effect, the greater the，The more significant the promotion effect of the growth and consumption growth of this area's deposit and loan business and consumption growth，The promotion effect on regional economic development will be greater。In our country，Financial rejection phenomenon is often highly related to economic development，The degree of financial exclusion in rural areas and the central and western regions is relatively deeper，Therefore, the promotion effect of digital finance for the economic development of these regions is relatively greater。In short，Digital Finance Development helps to accelerate the economic development of backward regions，Then the development gap between regions to a certain extent，Promote coordinated development of regional economy。

Finance is the core of the market economy，It is an important means to promote the adjustment of the industrial structure，The lack of financial resources will seriously restrict the industrial development of the area where the area is located。Under the traditional bet365 best casino games financial system，Divine financial resources are often concentrated in central cities。Digital finance through its unique digital payment and credit risk assessment technology，Break through the time and space limit of absorbing deposits and issuing loans，Help financial resources in urban and rural、Balanced distribution between regions。Therefore，Development of Digital Finance，The industrial structure that can be adjusted to a greater extent，Optimize the industrial layout。Another，Digital Finance is closely combined with the digital economy，It can also promote the cross -regional flow of data and resources and the development of e -commerce。With the great improvement of data information flow efficiency，High -quality products and services based on the digital economy can be transmitted without differences between different regions，The cost effect brought by it will promote decentralized development in different industries based on comparative advantages，so as to meet the diversified needs of consumers in different regions。

　　Guarantee digital financial development and risk prevention and control

It is worth sure is，Digital Finance in my country is at the forefront of the world，Digital Finance and Industrial Internet、Digital trade, etc., have produced a strong resonance effect。In order to make digital finance better act on economic growth and regional coordinated development，I put forward the following countermeasures for countermeasures。

First，Implementation of digital finance priority development strategies。Compared to traditional finance，Digital Finance has a distinctive inclusiveness，Not only can promote regional economic development，And can shrink the development Bet365 lotto review gap between regions。Therefore，Digital financial priority development strategies should be implemented。On the one hand，By establishing a sound relevant laws and regulations，Give a clear specification for the specific business scope of the Internet finance industry，Protect legal business in accordance with the law，Eliminate the "Gray Zone" in digital financial business，Promote the healthy development of the Internet financial industry; on the other hand，Innovation through institutional innovation through the traditional financial industry、Holdings participation、Strategic cooperation and other methods，Promoting the transformation of traditional financial industry to digital finance，to effectively increase the supply of digital financial services，Promote the benign competition in the digital finance industry and the traditional financial industry。

Second，Promote the balanced development of digital financial areas。From the perspective of the development of digital finance，my country still exists to a certain degree of digital gap，Specific performance as the Eastern Region、Digital financial development in urban areas is higher than that of the central and western regions and rural areas。In order to better play the positive role of digital finance to promote regional coordinated development，Digital finance construction should be accelerated in the underdeveloped regions，Cultivating digital industry、Cultivate digital talents、Construction digital infrastructure、Pilot development new business and other aspects to support。other，You can also actively promote activities such as "mobile phone to the countryside", "information to the countryside" and Bet365 app download "broadband down the countryside"，Ensure that residents who are not developed areas have opportunities for information dissemination and service acquisition.，To enjoy better quality digital financial services。

third，Strengthen digital financial risk prevention and control。In recent years，P2P platform thunderstorm、Digital financial fraud frequency and other financial chaos indicates，Strengthening the systemic risk prevention and control of the digital finance industry is urgent and necessary。For digital financial characteristics，The regulatory mode that adapts to the current digital financial mixed business trend should be established as soon as possible，Supervision work in the digital finance industry。Establish a strict market access and exit mechanism for the digital financial industry，Strengthen industry self -discipline。Strengthen the protection of the rights and interests of financial consumers，Especially investment security protection，Strengthening digital financial consumer education。At the same time, we must attach great importance to consumer information security，Laws such as "Network Security Law", "Data Security Law", "E -Commerce Law", "Personal Information Protection Law" and other laws，Improve relevant regulations involving digital finance，Protect financial consumer information security in accordance with the law。

　　(This article is the Study of the National Social Science Fund Youth Project "Research on the Equipment of Digital Economy in Equal Visual Perspective" (20CJL028) phased achievement)

(Author Unit: Academy of Economics and Finance of Huaqiao University)