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提升金融韧性是防范化解金融风险、推进金融强国建设的关键。基于2011—2019年中国279个地级市面板数据,实证研究数字经济对区域金融韧性的影响。结果表明:数字经济能够有效提升区域金融韧性;在创新创业和社会消费水平更高地区,数字经济对金融韧性的提升作用更强;数字经济对金融韧性在东部、中部地区及中心城市有显著正向影响,而在西部地区影响则不显著。据此,提出实施差异化数字经济发展战略,优化创新创业与消费环境,强化中心城市带动作用,为构建现代金融体系和维护国家金融安全提供有力支撑。

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