金融科技与区域经济协调发展研究

A Study on the Coordinated Development of Financial Science and Technology and Regional Economy

基于2012—2018年省级面板数据,利用混合回归模型分析金融科技对区域经济协调发展的驱动作用,在此基础上检验经济运行效率提升和产业结构优化调整的机制作用。实证结果表明:(1)金融科技推动经济协调发展的直接作用不显著,但存在较强的间接效应;(2)金融科技发展对区域经济协调发展的推动作用存在区域差异,西部地区效应最大,金融科技发展能有效推动欠发达区域经济协调发展;(3)警惕金融科技发展带来的负效应,如导致产业结构不合理发展等问题。数字经济时代发展金融科技具有重要的战略意义,应利用金融科技驱动区域经济高质量协调发展。

Based on the provincial panel data from 2012 to 2018,this paper uses mixed regression model to analyze the driving effect of fintech on the coordinated development of regional economy,and on this basis,tests the mechanism effect of economic efficiency improvement and industrial structure optimization and adjustment.The empirical results are as follows:(1)The direct effect of fintech on promoting coordinated economic development is not significant,but there is a strong indirect effect;(2)The effect of the development of financial science and technology on the coordinated development of regional economy is different,and the effect is the greatest in the western region.The level of financial science and technology can effectively promote the coordinated development of regional economy.(3)The negative effects brought about by the development of financial science and technology,such as the unreasonable development of industrial structure should be on guard against.In the era of digital economy,the development of financial science and technology has important strategic significance.We should use financial science and technology to drive the high-quality and coordinated development of regional economy.