金融科技、资源配置效率与经济增长——基于“新结构经济学”视角的分析

Financial Technology,Resource Allocation Efficiency and Economic Growth——Based on the Perspective of"New Structural Economics"

金融科技的发展进步、金融资源配置效率的提升与经济的高质量发展,三者之间相辅相成。选取我国31个省级行政区的面板数据进行固定效应回归,研究金融科技与经济增长之间的关系,同时考虑不同金融结构带来的资源配置效率变化对经济增长的影响。研究表明,金融科技对经济增长具有促进作用,合理的金融结构能够最大程度地促进经济增长。因此,政府应加大在金融科技方面的政策支持力度,并根据客观情况构建符合我国实际的金融结构。

The development progress of financial technology,the improvement of financial resource alloca-tion efficiency and the high quality growth of the economy are a mutually reinforcing process.Through the fixed effect regression of the panel data of 31 provincial administrative regions,the relationship between fintech and economic growth is studied,and the impact of resource allocation efficiency changes brought by different financial structures on economic growth is considered.Research shows that fintech promotes economic growth,and a reasonable financial structure can promote economic growth to the greatest extent.Therefore,the government should increase the policy support in fintech,and construct the financial struc-ture in line with our reality according to the objective situation.