金融科技与企业创新:抑制还是促进  

Financial technology and enterprise innovation:suppressing or promoting

作　　者：赵创 Zhao Chuang(School of Economics,Nanjing Audit University,Nanjing,Jiangsu,211815)

机构地区：[1]南京审计大学经济学院,江苏南京211815

出　　处：《市场周刊》2023年第12期94-98,111,共6页Market Weekly

摘　　要：在数字经济时代,金融科技发展迅猛。文章的研究主要是基于金融对企业创新的影响,重点关注金融科技的发展对企业创新的影响是促进还是抑制。文章运用固定效应模型研究发现:一方面,金融科技的发展通过降低企业融资难度促进企业创新;另一方面,金融科技的发展通过提高政府政策的有效性促进企业创新。同时研究还发现,该影响机制存在异质性:一方面,金融科技的发展对东部地区企业创新的促进作用比中西部地区显著;另一方面,金融科技的发展对科技型企业的创新作用比非科技型企业更加显著。基于此,文章提出相关政策及建议,以促进金融科技的发展,在服务实体经济发展的同时防止金融风险的滋生。In the era of digital economy,financial technology is rapidly developing.The research in this article is mainly based on the impact of finance on enterprise innovation,focusing on whether the development of financial technology promotes or suppresses the impact on enterprise innovation.This article uses a fixed effects model to study the following findings:on the one hand,the development of fintech promotes innovation by reducing the difficulty of corporate financing;on the other hand,the development of fintech promotes enterprise innovation by improving the effectiveness of government policies.At the same time,research has found that there is heterogeneity in the impact mechanism:on the one hand,the development of fintech has a more significant promoting effect on innovation among enterprises in the eastern region than in the central and western regions;on the other hand,the development of fintech has a more significant innovation effect on technology-based enterprises than on non-technology-based enterprises.In summary,this article proposes relevant policy recommendations to promote the development of financial technology and serve the development of the real economy while preventing the breeding of financial risks.

关 键 词：金融科技 企业创新 融资困难 税收返还 

分 类 号：F062.4[经济管理—政治经济学]