金融科技发展能否促进银行创新--信息赋能与产业竞争的视角  

Can the Development of Fintech Promote Bank Innovation?From the Perspective of Information Enabling and Industry Competition

作　　者：宋敏 司海涛 周鹏 刘华珂 Song Min;Si Haitao;Zhou Peng;Liu Huake(School of Economics and Management,Wuhan University;School of Economics,Hefei University of Technology)

机构地区：[1]武汉大学经济与管理学院 [2]合肥工业大学经济学院

出　　处：《南开管理评论》2024年第7期173-184,共12页Nankai Business Review

基　　金：国家社会科学基金重大项目(20&ZD072)资助。

摘　　要：以金融科技为核心的数字化战略已成为中国金融体制改革的关键。金融科技能否发挥技术驱动金融创新的作用是一个值得探究的问题。本文选取2011-2019年中国177家商业银行面板数据,考察金融科技发展对中国商业银行创新的影响。研究发现,金融科技发展显著提升了商业银行的创新水平,使用工具变量法、Heckman两步法等缓解内生性后,结果依然稳健。机制分析结果表明,金融科技一方面缓解了银行个体面临的信息难题,提高了商业银行的创新“能力”,另一方面促进了产业层面的竞争度,增强了商业银行的创新“意愿”,这两种力量共同推动了金融创新水平的提升。异质性分析结果表明,较城市商业银行和农村商业银行而言,大型国有银行和股份制银行利用金融科技提高创新能力的作用更加明显;商业银行与研发团队规模大、创新能力强的金融科技公司合作,创新效应更为显著。进一步研究发现金融科技在促进金融创新的同时并没有放大银行风险。因此,本文认为作为全球金融科技发展领先的国家之一,中国应积极推动金融科技健康、有序发展。通过金融创新的不断深化,增强金融体系服务实体经济的能力,以解决不平衡不充分的发展问题。Financial innovation is crucial to the development of financial systems,serving as a driving force for advancing financial services to the real economy and promoting endogenous economic growth.For Chinese commercial banks,the traditional profit model driven by interest spreads is increasingly unsustainable,given the complex macroeconomic environment,intense market competition,and stringent financial regulations.Therefore,there is an urgent need for these banks to accelerate financial innovation,offering more diversified and high-quality financial products and services to reshape their core competitiveness.Although technological investment in China’s banking sector has been on the rise in recent years,the transformation of technological achievements remains suboptimal due to constraints such as operational concepts,institutional mechanisms,and resource integration.As a result,commercial banks continue to face challenges,including a lack of product diversity,noticeable homogenization,and difficulties in meeting the needs of long-tail customers,signaling the need for further innovation.

关 键 词：金融科技 战略合作 金融创新 信息赋能 银行业竞争 

分 类 号：F832.33[经济管理—金融学] F273.1F49