金融科技促进了区域金融发展与金融服务收敛吗?  

Heterogeneous Impact of FinTech on Regional Financial Development and Financial Services in China:Convergence or Differentiation?

作　　者：郭妍[1] 张立光 韩庆潇 GUO Yan;ZHANG Liguang;HAN Qingxiao

机构地区：[1]山东大学管理学院,山东济南250100 [2]中国人民银行山东省分行,山东济南250021

出　　处：《济南大学学报（社会科学版）》2023年第6期64-75,176,共13页Journal of University of Jinan:Social Science Edition

基　　金：国家自然科学基金面上项目“去担保背景下的我国网络借贷问题研究:理论分析、实证检验与对策模拟”(项目编号:71773065);山东省自然科学基金面上项目“供给侧改革背景下地方政府经济行为对产能过剩的影响及对策行为”(项目编号:ZR2020MG047)之阶段性研究成果。

摘　　要：为了探索金融科技对我国区域金融发展和金融服务影响的异质性,在深入分析金融科技对区域金融发展和区域金融服务影响机制的基础上,构建收敛度模型,利用2015—2020年全国样本数据进行了实证检验,结果发现:在金融科技推动下,全国金融发展和金融服务水平明显提升,区域间服务水平差距缩小,但区域间金融发展水平未出现明显趋同。金融科技在不同地区间的作用效果不同,对东部地区金融发展作用明显,对中西部不显著;对中西部金融服务提升影响较东部更加突出。进一步分析发现,金融科技发展有效促进了东部地区的金融集聚,而对中西部地区影响不明显,由此制约了地区金融发展趋同;金融科技发展产生的垄断效应限制了东部地区金融服务水平提升,但能有效弥补中西部金融服务下沉不足的短板,成为促进区域间金融服务均等化的重要因素。This paper aims to investigate the heterogeneous impact of FinTech on China's regional financial development and financial services.To achieve this,we constructed a convergence model based on a thorough analysis of the internal mechanisms of FinTech and conducted an empirical analysis using national sample data covering the period from 2015 to 2020.The findings indicate that FinTech has significantly contributed to the improvement of national financial development and financial service levels while also narrowing the gap between regional service levels.Nevertheless,the impact of FinTech differs across the various regions.It has a considerably more significant effect on the financial development of the eastern and central and western regions.Moreover,its impact on the enhancement of financial services is more prominent in the central and western regions compared to the eastern region.Further analysis suggests that the monopolistic effect of large and medium-sized banks due to the development of financial technology has become a crucial factor limiting the improvement of financial service levels in the eastern region.However,technology empowerment has efficiently compensated for the shortage of financial services in the central and western regions,thus becoming a crucial factor in promoting equalization of financial services across all regions.

关 键 词：金融发展 金融服务 金融科技 收敛 

分 类 号：F832.4[经济管理—金融学]