人力资本对银行金融科技发展的影响

The Impact of Human Capital on the Development of Banking Fintech

利用2013-2019年银行数据,通过文本挖掘法构建银行金融科技指数,运用固定效应模型,探究银行所在地人力资本对银行金融科技发展的影响。研究发现,人力资本有助于银行金融科技发展,人力资本水平越高,银行金融科技发展水平越高。机制分析表明,人力资本通过直接与间接两条影响路径影响银行金融科技发展。首先,人力资本通过为银行提供服务对银行金融科技发展发挥直接促进作用;其次,人力资本通过促进互联网金融的发展对银行金融科技发展发挥间接促进作用。异质性检验结果表明,人力资本对不同地区、不同类型银行的影响具有差异性。基于研究结论,为加快银行金融科技发展、实现数字化转型提出对策建议。

Using the bank data from 2013 to 2019,the banking fintech index is constructed through text mining method,and the fixed effect model is used to explore the impact of human capital on the development of banking fintech.The results show that the higher the level of human capital,the higher the development level of banking fintech.Mechanism analysis show that the impact can be achieved through direct and indirect ways.Firstly,human capital plays a direct role in promoting the development of banking fintech through providing services to banks.Secondly,human capital plays an indirect role in promoting the development of banking fintech by promoting the improvement of internet financial.Heterogeneity test show that the impact of human capital to banking fintech has differences in different regions and different types of banks.Based on the research conclusions,countermeasures and suggestions are put forward for accelerating the development of fintech and realizing the digital transformation of banks.