Risk Assessment and Coping Strategies for The Coordinated Development of Digital Finance and Green Finance

In the contemporary era characterized by rapid technological advancements, the digital economy has emerged as a pivotal force reshaping the global economic landscape. Based on the digital economy development index meticulously measured through principal component analysis, this paper undertakes an in - depth exploration. It makes use of the panel data of municipal samples spanning from 2011 to 2020. The core objective is to rigorously test the impact and underlying mechanisms of the digital economy on regional green technology innovation. Specifically, the research delves into this relationship from two crucial perspectives: industrial structure and educational human capital. The industrial structure perspective focuses on how the digital economy reconfigures traditional industrial frameworks, fostering new forms of production and resource allocation that are conducive to green technology innovation. Regarding educational human capital, it examines how the digital economy influences the cultivation and utilization of high - quality human resources, which in turn drive the development of green - tech innovation in regions. This comprehensive analysis is expected to provide valuable insights for promoting sustainable development in the digital age.