摘要
随着信息技术的发展,互联网金融快速发展,产生了多种新业态、新模式。本文以拉姆赛-卡斯-库普曼模型为基准,引入储蓄投资转化率,分析互联网金融发展对经济增长的影响机制。虽然互联网金融的发展能够提高储蓄投资转化率,但是会降低储蓄率(提高消费率),最终导致资本形成率降低。实证结果表明,互联网金融的发展对经济增长具有显著的推动作用。
With the development of information technology,the rapid development of Internet finance has produced a variety of new forms of business and new models.Based on the Ramsey-Cass-Koopmans model,the article introduces the savings investment conversion rate and analyzes the impact mechanism of Internet financial development on economic growth.Although the development of Internet finance can improve the savings investment conversion rate,it will reduce the savings rate(increase the consumption rate),and eventually lead to a reduced capital formation rate.Empirical results show that the development of Internet finance has a significant role in promoting economic growth.
作者
董丽娃
DONG Liwa(School of Finance,Qilu University of Technology(Shandong Academy of Sciences),250100)
出处
《制度经济学研究》
2021年第4期197-213,共17页
Research on Institutional Economics
基金
齐鲁工业大学(山东省科学院)科创团队“区域金融创新团队”系列成果之一
关键词
互联网金融发展
储蓄投资转化率
经济增长
The development of Internet finance
Savings and investment conversion rate
Economic Growth
