金融科技创新促进实体经济发展的理论机理与实证检验  

Fintech Innovation Promoting the Development of Real Economy:Theoretical Mechanism and Empirical Testing

作　　者：卜亚[1] 王子冉 张倩[1] BU Ya;WANG Ziran;ZHANG Qian(School of Economics and Management,Jiangsu University of Science and Technology,Zhenjiang Jiangsu 212100,China;Dongwu Business School,Soochow University,Suzhou Jiangsu 215021,China)

机构地区：[1]江苏科技大学经济管理学院,江苏镇江212100 [2]苏州大学东吴商学院,江苏苏州215021

出　　处：《江苏科技大学学报（社会科学版）》2022年第3期93-101,共9页Journal of Jiangsu University of Science and Technology(Social Science Edition)

基　　金：国家社科基金一般项目“金融科技创新与监管的激励相容机制及政策研究”(21BJY148);江苏省高校哲学社会科学研究重大项目“金融科技创新监管路径优化研究”(2019SJZDA060)。

摘　　要：近年来,随着大数据、云计算、人工智能、区块链等金融科技底层技术的发展,金融科技正不断通过技术手段改变传统金融服务方式,显著提高了资源配置效率,有效促进了实体经济发展。为了进一步印证金融科技创新对实体经济的促进作用,从消费、投资、贸易三个视角重点剖析金融科技创新促进实体经济发展的理论机理,并运用BAT的实践案例进行例证分析;选取相关经济数据,通过VAR模型实证检验金融科技创新与实体经济发展间的相关性。研究发现,在消费方面,金融科技创新能够促进消费,从而拉动经济增长;在投资方面,金融科技创新能够拓宽投资渠道,改善中小企业融资难题;在贸易方面,金融科技创新能够增强跨境贸易金融服务能力,从而促进我国对外经贸发展。In recent years,with the development of underlying technologies of fintech such as big data,cloud computing,artificial intelligence and block chain,fintech is constantly changing the way of traditional financial services through technological means,which has significantly improved the efficiency of resource allocation,effectively promoting the development of the real economy.This paper analyses the theoretical mechanism of fintech innovation to promote the development of the real economy from three perspectives:consumption,investment and trade,and then uses the practical cases of BAT to make an example analysis.This paper selects relevant economic data and empirically tests the correlation between the innovation of fintech and the development of real economy through VAR model.The results show that:in terms of consumption,fintech innovation can promote consumption,thus driving economic growth;in terms of investment,fintech innovation can broaden investment channels and improve financing problems of SMEs;in terms of trade,fintech innovation can promote the development of China’s foreign trade and economic cooperation by enhancing the financial service capacity of cross-border trade.

关 键 词：金融科技 实体经济 理论机理 实证检验 

分 类 号：F830.59[经济管理—金融学]