金融科技创新对实体经济发展的影响机制研究

Research on the Influence Mechanism of Fintech on the Development of Real Economy

从正反两方面剖析金融科技创新对实体经济的抑制与促进作用,侧重分析金融科技创新带来的消费方式改变引导消费升级与产业升级以及带来投资的多元化与快速化提高投资效率。利用独角兽企业——蚂蚁金服案例及相关数据验证金融科技创新通过消费与投资的优化升级带动实体经济的发展。从技术条件、监管制度与人才培养三个方面提出推动金融科技创新促进实体经济发展的对策。

This paper analyzes the suppression and promotion of fintech innovation to the real economy from the positive and negative aspects.It focuses on the analysis of consumption upgrades and industrial upgrading by the changes in consumption patterns with fintech innovation,as well as the diversification and rapidization of investment to improve investment efficiency,which is manifested in the combination of virtual and real technology innovation through the financial system to promote the development of the real economy.With the case of unicorn enterprise-ant financial and related data,it verifies that fintech innovations drive the development of the real economy through the optimization and upgrading of consumption and investment.From the three aspects of technical conditions,supervision system and personnel training,it puts forward measures to promote the development of the real economy by the fintech innovation.