金融科技对金融服务实体经济效率的影响研究——基于中国31个省份的数据  

Impact of Financial Technology on Efficiency of Finance in Supporting Real Economy--Based on Data from 31 Provinces in China

作　　者：赵保国[1] 宋舒晴 ZHAO Baoguo;SONG Shuqing(School of Economics and Management,Beijing University of Posts and Telecommunications,Beijing 100876,China)

机构地区：[1]北京邮电大学经济管理学院,北京100876

出　　处：《北京邮电大学学报（社会科学版）》2024年第4期71-83,共13页Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)

摘　　要：选取2012—2021年我国31个省、市、自治区的面板数据,就金融科技对金融服务实体经济效率的影响进行系统的实证检验。研究发现:金融科技显著提升了金融服务实体经济效率的提升;将金融监管纳入模型,发现金融监管对金融科技与金融服务实体经济效率的关系具有正向调节作用;金融科技在东部地区以及金融发展水平较高的地区对金融服务实体经济效率的提升作用更加显著。为推动金融科技的发展、提升金融服务实体经济效率以及实施适度金融监管提供了理论基础和经验证据。China attaches great importance to the development of the real economy.In the Central Financial Work Conference,it was stressed again that finance must serve the real economy,and finance should provide high-quality services for economic and social development.Under the background of the rapid development of financial technology,ways and means of financial services for the real economy have been constantly innovated and improved,which has injected new vitality into the development of the real economy.The panel data in China’s 31 provinces(autonomous regions and municipalities)from 2012 to 2021 is selected to conduct a systematic empirical test on the impact of financial technology on the efficiency of finance in supporting the real economy.The findings are as follows.Financial technology significantly improves the efficiency of finance in supporting the real economy;Financial regulation is included in the model,and it is found that financial regulation has a positive moderating effect on the relationship between financial technology and the efficiency of finance in supporting the real economy;Financial technology plays a more significant role in improving the efficiency of finance in supporting the real economy in eastern regions and regions with higher financial development levels.The research provides theoretical basis and empirical evidence for promoting the development of financial technology,improving the efficiency of finance in supporting the real economy and implementing appropriate financial regulation.

关 键 词：金融科技 实体经济 金融服务实体经济效率 金融监管 

分 类 号：F832[经济管理—金融学] F124