金融科技产业的地域性集群效应研究——基于香蜜湖金融科技指数的实证分析

Research on the Regional Cluster Effect of Financial Technology Industry——Based on the Empirical Analysis of Xiangmihu Financial Technology Index

金融科技产业具备金融与科技两个行业的共有特征,可以有效增强我国金融行业智能化、提升行业运转效率。地域性金融科技产业集群的形成与互动,又能对产业及集群所属企业产生正向的外部性作用,其发展尤为重要。本文从金融科技产业的地域性集群角度进行切入,首先定性分析了不同的地域性聚集对于金融科技产业形态的影响,发现我国的金融科技产业集群的确存在鲜明的地域特征;然后构建了地域性产业集群"子指数",发现京津冀、长三角、珠三角三条金融科技子指数和香蜜湖金融科技总指数保持了高度的一致性;并对地域性金融科技产业集群的正向外部性作用进行了实证分析,发现长三角集群的正向外部性最大。最后基于研究结论为我国金融科技产业发展、相关政策制定等提出了建议。

The financial technology industry has the common characteristics of the finance and technology industries,which can effectively enhance the intelligence of China’s financial industry and improve the efficiency of the industry.The formation and interaction of regional financial technology industry clusters can also have a positive external effect on the industry and the enterprises that belong to the cluster,and its development is particularly important.This article cuts into the perspective of the regional clusters of the financial technology industry.First,it qualitatively analyzes the influence of different regional clusters on the financial technology industry form,and finds that China’s financial technology industry clusters do have distinct regional characteristics;then they build regional industries.The cluster"sub-index"found that the three financial technology sub-indexes of the Beijing-Tianjin-Hebei,Yangtze River Delta,and the Pearl River Delta maintained a high degree of consistency with the Xiangmihu Financial Technology Total Index.Based on empirical analysis,it is found that the Yangtze River Delta cluster has the largest positive externality.Finally,based on the research conclusions,suggestions are made for the development of China’s financial technology industry and related policy formulation.