政策性科技金融数字化转型路径及影响机制分析  

Analysis on the Digital Transformation Path and Influence Mechanism of Policy-based Sci-Tech Finance

作　　者：王伟[1] 王硕 Wang Wei;Wang Shuo(International Finance Institute,Liaoning University,Shenyang 110036,China;Shenyang Huanggu District Finance Bureau of Liaoning Province,Shenyang 110032,China)

机构地区：[1]辽宁大学国际金融研究所,辽宁沈阳110036 [2]辽宁省沈阳市皇姑区财政局,辽宁沈阳110032

出　　处：《创新科技》2022年第12期22-34,共13页Innovation science and technology

基　　金：国家社科基金重点项目“新发展格局下政策性金融支持高水平科技自立自强体制机制研究”(22AJY017)。

摘　　要：作为科技金融体系中不可或缺的政策性科技金融,数字化转型是其未来发展的必然选择。从理论和实践两大逻辑角度出发,推演了政策性科技金融数字化转型的路径,并运用面板中介效应模型,实证分析其影响机制。政策性科技金融数字化转型的路径可以概括为“融合→赋能→升级→转型”,并体现出由外向内和由表及里的特点,即数字技术不断融入政策性科技金融机构,作用于传统的机构渠道、业务流程、金融产品和组织架构,提升了金融机构服务客户、业务研发、经营管理方面的效能,推动机构朝线上化、场景化和智能化方向的升级发展,最终实现机构的数字化转型与整体重塑。而且,数字技术与政策性科技金融机构的融合程度,直接决定了其促进机构数字化转型的效果。实证结果表明,数字技术通过影响机构的渠道、流程、产品和组织,对政策性科技金融的数字化转型产生作用。这种影响机制可概括为4个方面:①数字技术影响了政策性科技金融机构的渠道,提升了机构的业务覆盖能力,利于机构将更多科技企业纳入服务范围,提高企业获取金融支持的便利度,奠定了机构数字化转型的基础;②数字技术影响了政策性科技金融机构的流程,提升了机构的业务操作能力,为开展科技贷款等业务奠定了良好的信息基础,提高了数字化水平;③数字技术影响了政策性科技金融机构的产品,提升了机构的研发能力,为开发适合科技企业及自身运营模式的新型产品提供技术基础,是数字化转型的内在保障;④数字技术影响了政策性科技金融机构的组织,推动了各部门之间协调配合,进而提高机构的管理能力,促进其数字化转型。根据异质性分析,东、中部地区数字技术对政策性科技金融数字化转型的推动作用大于西部地区,西部地区应予以政策性科技金融数字化转型问题重点关�As an indispensable policy-based Sci-Tech finance in the Sci-Tech finance system, digital transformation is an inevitable choice for its future development. From the two logical aspects of theory and practice, this paper deduces the path of the digital transformation of policy-based Sci-Tech finance, and empirically analyzes its influence mechanism by using the panel intermediary effect model. The path of digital transformation of it can be summarized as "integration→ empowerment→ upgrading→ transformation", and embodies the characteristics from the outside to the inside, that is, digital technology continues to integrate into the policybased Sci-Tech financial institutions, and acts on the traditional institutional channels, business processes, financial products and organizational structures, and improves the effectiveness of financial institutions in customer service, business research and development, and operation and management, to promote the upgrading and development of institutions to the online, scene and intelligent direction. and ultimately achieve the organization’s digital transformation and overall reshaping. Moreover, the degree of integration between digital technology and policybased Sci-Tech financial institutions directly determines the effect of its promotion of institutional digital transformation. The empirical results show that digital technology plays a role in the digital transformation of policy-based Sci-Tech finance by affecting the channels, processes,products and organizations of institutions. The impact mechanism can be summarized in four aspects:①digital technology has affected the channels of policy-based Sci-Tech financial institutions and enhanced their business coverage capacity. It is beneficial for institutions to bring more technology enterprises into the service scope and improve the convenience of enterprises to obtain financial support, thus laying the foundation for the digital transformation of institutions;②digital technology has influenced the process of

关 键 词：政策性科技金融 数字化转型 路径设计 影响机制 

分 类 号：F832[经济管理—金融学]