数字化智能化对金融业运行效率的影响研究  

Research on the Influence of Digitalization and Intellectualization on the Operation Efficiency of Financial Industry

作　　者：姚凤阁[1] 王天航[1] YAO Feng-ge;WANG Tian-hang(Harbin University of Commerce,Finance College,Harbin 150028,China)

机构地区：[1]哈尔滨商业大学金融学院,哈尔滨150028

出　　处：《哈尔滨商业大学学报（社会科学版）》2022年第1期16-24,共9页Journal of Harbin University of Commerce:Social Science Edition

基　　金：2017年国家社会科学基金面上项目“供给侧结构性改革背景下的农村金融服务创新与风险控制研究”(17BJY119)。

摘　　要：数字化智能化等信息技术的不断创新与应用,助推了社会资金在供给侧与需求侧的加速与流动,面对经济发展模式的巨大转变,作为中介角色的金融业所发挥的作用至关重要。选取2011—2019年的省际面板数据,通过双向固定效应模型研究了数字化智能化对金融业运行效率的影响机制。研究发现:数字化智能化发展对我国金融业运行效率存在正向影响,这种影响对经济欠发达省份比经济发达省份的促进作用更明显;城镇化率同样对金融业运行效率有促进作用,但是财政支出对金融业运行效率存在抑制作用。The continuous innovation and application of digital and intelligent information technology has boosted the acceleration and flow of social funds on the supply side and the demand side.Facing the great transformation of economic development model,the role of financial industry as intermediary is crucial.This paper selects provincial panel data from 2011 to 2019 to study the influence mechanism of digitalization and intelligentization on the operating efficiency of financial industry through two-way fixed effect model.The results show:The development of digitalization and intelligence has a positive impact on the operational efficiency of China s financial industry,which is more obvious in less developed provinces than in developed ones,and this conclusion still holds under the robustness test of alternative explanatory variables.Urbanization rate also plays a role in promoting the operation efficiency of the financial industry,but fiscal expenditure has a restraining effect on the operation efficiency of the financial industry,and the impact of educational factors is uncertain.

关 键 词：数字化智能化 金融业 效率 

分 类 号：F832[经济管理—金融学] F224