摆脱路径依赖:金融科技区域差异化发展的逻辑与检验

Getting Rid of Path Dependence:Logic and Test of Regional Differentiated Development of Financial Technology

与传统金融发展相似,我国金融科技发展也大体表现出东部城市领先、中西部部分城市落后的区域差异化发展格局。那么,金融科技区域差异化发展格局形成的内在逻辑是什么?基于演化经济地理理论,利用我国291个地市级城市数据进行实证研究发现,金融科技发展所呈现出的区域差异化发展格局,主要源于传统金融发展的路径依赖。进一步分析发现,城市创新能力的提升和地方政府增加创新资金投入对金融科技发展具有显著的促进作用,有助于传统金融欠发达地区摆脱路径依赖,实现金融科技发展的路径创造。因此,地方政府可以因势利导,大力促进大数据、云计算、区块链、人工智能等创新科技在金融行业的推广应用,积极打造金融科技发展高地,通过自主科技创新和“有为”政府双轮驱动,引导金融科技发展摆脱传统金融发展的路径依赖,实现金融科技区域协调发展的路径创造。

Similar to the development of traditional finance,the development of financial technology also shows a regional pattern of differentiated development,with eastern cities taking the lead and some cities in central and western regions lagging behind.Then,what is the internal logic of the formation of the regional differentiated development pattern of financial technology? Based on the theory of evolutionary economic geography,this paper conducts an empirical study by making use of the data of 291 prefecture-level cities of China.The findings show that the regional differentiated development pattern of financial technology development is mainly due to the path dependence of the traditional financial development.Further analysis shows that the improvement of urban innovation capacity and the increase of local government innovation capital investment have a significant promoting effect on the development of financial technology,which helps the traditional financially-underdeveloped areas to get rid of the path dependence and realize the path creation of financial technology development.Therefore,local governments can take advantage of the situation,vigorously promote the popularization and application of big data,cloud computing,blockchain,artificial intelligence and other innovative technologiesin the financial sector,and actively build the development highland of financialtechnology.Driven by the twin wheels of the independent scientific and technological innovation and the“ promising” government,the financial technology development can be guided to get rid of the path dependence of traditional financial development and realize the path creation for coordinated regional development of financial technology.