银行金融科技能否助力企业技术创新?——来自中国企业的微观证据  

Can Bank Fintech Improve Enterprise Technological Innovation?Micro Evidence from Chinese Enterprises

作　　者：张锡书 叶阿忠 王宣惠 Zhang Xishu;Ye Azhong;Wang Xuanhui(School of Economics and Management,Fuzhou University,Fuzhou 350108,China;Fujian Provincial Institute of Capital Operating Researches,Fuzhou 350108,China)

机构地区：[1]福州大学经济与管理学院,福州350108 [2]福建省资本运营研究会,福州350108

出　　处：《技术经济》2024年第7期68-85,共18页Journal of Technology Economics

基　　金：国家自然科学基金项面上项目“半参数门限空间滞后模型理论研究及其应用”(72073030);福建省社会科学基地重大课题“高质量发展超越背景下财税政策有效驱动福建省企业科技创新研究”(FJ2022JDZ064);福建省社会科学基金项目“高质量发展背景下粤闽浙沿海城市群物流网络空间结构及其经济效应研究”(FJ2023C046)。

摘　　要：随着数字技术的快速发展,使得“技术+金融+银行业”结合态势日益凸显。本文利用中国银行金融科技专利申请信息,并将其结合企业银行贷款数据后检验并探讨了银行金融科技对企业技术创新的影响及其内在机理。研究发现:银行金融科技对企业技术创新具有显著促进效应,在进行了一系列内生性讨论和稳健性检验后,其基本研究结论保持一致。机制分析发现:重构银行信贷模式、优化银行信贷客户结构和改善银行信贷成本及信贷决策机制是银行金融科技发挥企业技术创新促进效应的三个重要机制。此外,银行金融科技还具有提升信贷资源配置效率的功能。本文为进一步加快企业技术创新和深化银行业发展的金融供给侧改革提供理论和现实依据以及政策启示。With the rapid development of digital technology,the combination of technology,finance,and banking has become increasingly prominent.Empirically examining the impact of bank fintech on enterprise technological innovation and its underlying mechanism,based on data from China Bank's fintech patent application and enterprise bank loan records.Empirical analysis reveals that bank fintech has a significant promoting effect on enterprise technological innovation.After a series of endogeneity discussions and robustness tests,the basic research conclusions remain consistent.Mechanism analysis reveals that restructuring the bank credit model,optimizing the customer structure of bank credit,and alleviating the cost of bank credit and improving decision-making mechanism of bank credit are three important mechanisms for bank fintech to play a role in promoting enterprise technological innovation.In addition,bank fintech also have the function of improving the efficiency of credit resource allocation.These conclusions provide theoretical and practical basis as well as policy inspiration for further accelerating enterprise technological innovation and deepening the financial supply side reform of banking industry development.

关 键 词：银行金融科技 企业技术创新 信贷模式 信贷客户结构 信贷决策机制 

分 类 号：F832[经济管理—金融学]