“互联网+”与金融结构变迁——基于省级面板数据的实证分析  

“Internet Plus” and the Variance of Financial Structure——An Empirical Analysis Based on Provincial Data of China

作　　者：孙英杰 杨海平 林春[1] Sun Yingjie;Yang Haiping;Lin Chun(School of Economics, Liaoning University, Shenyang 110036, China;College of Humanities and Social Sciences and Management, Hunan University of Medicine,Huaihua 418000, China)

机构地区：[1]辽宁大学经济学院,沈阳110036 [2]湖南医药学院人文社科与管理学院,怀化418000

出　　处：《工业技术经济》2018年第6期84-91,共8页Journal of Industrial Technological Economics

基　　金：辽宁省社会科学规划重点基金项目"辽宁省改善运营商环境与提升开放性经济水平互动研究"(项目编号:L17AJY008);辽宁省教育厅人文社会科学青年项目"辽宁地区金融资源配置效率研究"(项目编号:WQN201725)

摘　　要：随着大数据信息化时代的到来,"互联网+"计划指明了互联网与传统产业进行深度融合的产业调整发展方向,故探索"互联网+"对我国金融结构变迁的作用有着重要的意义。本文利用中国31个省(市、自治区)2005~2016年的面板数据,采用SYS-GMM计量分析方法,研究"互联网+"对我国金融结构变迁的作用。得出结论如下:从全国层面来看,"互联网+"对金融结构的变迁具有显著的促进作用;从区域层面来看,东部地区和西部地区的"互联网+"对金融结构的变迁具有显著的促进作用,而中部地区的"互联网+"对金融结构的变迁具有显著的抑制作用。最后,依据实证结论提出政策建议。With the advent of big data information age,the ＂Internet plus＂program points out the direction of the industry in which the Internet and traditional industries are deeply integrated,and it is important to explore the effect of ＂Internet plus＂ on the financial structure change in China. This article makes use of the SYS-GMM to study the relationship between ＂Internet plus＂and the variance of financial structure based on 31 provinces＇（ municipalities and autonomous regions） panel data from 2005 to2016 in our country. And the conclusion is that： ＂Internet plus＂ has a significant effect on the financial structure changes from the national perspective; from regional perspective,the ＂Internet plus＂ in the eastern and western regions has a significant effect on the change of financial structure,but the ＂Internet plus＂ in the central region has a significant inhibitory effect on the financial structure change. Finally,according to the empirical conclusion,this article proposes some policy implications.

关 键 词：“互联网+” 金融结构变迁 系统矩估计 金融科技化 空间效益 金融服务效率 

分 类 号：F832[经济管理—金融学] F49