金融科技与区域创业活跃度——基于中国省级面板数据的实证研究  

Fintech and Regional Entrepreneurial Activity——An Empirical Study Based on Provincial Panel Data in China

作　　者：方湖柳[1] 王冰冰 FANG Hu-liu;WANG Bing-bing

机构地区：[1]杭州师范大学经济学院,杭州311121

出　　处：《金融论坛》2024年第6期59-69,共11页Finance Forum

摘　　要：本文利用2011-2021年中国省级面板数据探究金融科技对区域创业的影响。实证结果表明,金融科技公司数量的增加显著提高了区域创业活跃度。这一创业驱动效应在胡焕庸线东南侧、市场化程度较高的地区及第二、三产业和服务业中表现更明显。进一步研究发现,通过“技术赋能”传统金融,金融科技实现了双重渠道影响区域创业,一是让外部融资普惠化,二是使产业结构高级化。本文的研究结论为充分发挥金融科技的创业驱动效应提供了政策启示。This paper uses China's provincial panel data during 2011-2021 to explore the impact of financial technology(fintech)on regional entrepreneurship.The empirical results indicate that the increase in the number of fintech companies significantly enhances regional entrepreneurial activity.This entrepreneurial driving effect is more pronounced in the areas on the southeast side of the Hu Huanyong Line and areas with a higher degree of marketization,as well as in the second,third,and service industries.Further research has found that by empowering the traditional finance through technology,fintech has achieved a dual channel impact on regional entrepreneurship.Firstly,it has made external financing more inclusive,and secondly,it has advanced the industrial structure.The research conclusion of this paper provides policy inspiration for fully leveraging the entrepreneurial driving effect of financial technology.

关 键 词：金融科技 创业 传统金融 产业结构 

分 类 号：F832[经济管理—金融学] F279.2