金融科技赋能绿色金融发展的影响研究

Research on the Impact of Fintech on the Development of Green Finance

金融科技的快速发展为经济绿色、低碳发展提供了新动能,其影响机制与效果探究能有效助力绿色数字经济落地实现。基于2011—2022年31个省份面板数据,对金融科技与绿色金融发展之间的关系进行实证检验。结果表明,金融科技对我国绿色金融发展呈显著正向影响。进一步区域异质性分析发现,东部地区金融科技对绿色金融的影响更加显著,同时由于高经济发展地区金融科技发展成熟度较高,金融科技对绿色金融发展的促进边际效应低于低经济发展地区。基于上述实证研究结果,提出加大对中西部地区的金融科技支持力度,推进金融科技与绿色金融多场景融合发展,注重政策支持与绿色金融科技人才的培养的建议。

The rapid development of financial technology provides new momentum for the green and low-carbon development of the economy and its influence mechanism and effect exploration can effectively help the green digital economy to realise.Using panel data from 31 provinces from 2011 to 2022,this paper empirically examines the relationship between fintech and green finance development.The results surface that FinTech has a significant positive impact on green financial development in China.Further,regional heterogeneity analysis finds that the impact of fintech on green finance is more significant in the eastern region,while the marginal effect of fintech on promoting green finance development is lower than that in low economic development regions due to the higher maturity of fintech development in the high economic development regions.Based on the above empirical findings,this paper proposes to increase the support for fintech in the central and western regions,promote the integration of fintech and green finance in multiple scenarios and focus on the improvement of government incentive policies and the cultivation of green fintech talents.