金融科技促进居民消费的作用机制与路径研究
Research on the Mechanism and Path of FinTech in Promoting Residents'Consumption
敖华 1闫强2
作者信息
- 1. 贺州学院经济与管理学院 广西贺州 542899;西南财经大学北京研究院 北京 100032
- 2. 贺州学院经济与管理学院 广西贺州 542899
- 折叠
摘要
本文基于金融科技的金融创新、科技创新和产业创新三大属性,从需求侧和供给侧两个角度出发,研究金融科技促进居民消费的作用机制与实现路径.金融科技作为连接金融、科技、产业的重要手段和关键环节,能够强化科技创新、产业发展和金融支持三者之间的紧密联系,推动"科技—产业—金融"良性循环.本文指出,除了金融创新属性之外,金融科技还具有科技创新属性和产业创新属性,这进一步拓展金融科技的内涵;金融科技促进居民消费可区分为直接和间接促进作用,直接促进作用由金融科技的金融创新属性决定,间接促进作用由金融科技的科技创新及产业创新属性决定.
Abstract
Based on the three major attributes of financial innovation,scientific and technology(S&T)innova-tion and industrial innovation of FinTech,this paper studies the mechanism and realization path of FinTech to pro-mote residents'consumption from both demand side and supply side.As an important means and key link connect-ing finance,S&T and industry,FinTech can strengthen the close connection between S&T innovation,industrial development and financial support,and promote the virtuous circle of"S&T-industry-finance".This paper points out that in addition to financial innovation attributes,FinTech also has S&T innovation attributes and industrial in-novation attributes,which further expands the connotation of FinTech.FinTech promotion of residents'consump-tion can be distinguished into direct and indirect promotion,with the direct promotion determined by the financial innovation attributes of FinTech and the indirect promotion determined by the S&T innovation and industrial inno-vation attributes of FinTech.
关键词
金融科技/金融创新/居民消费/消费金融/消费升级/经济增长/扩大内需/产业转型升级Key words
FinTech/financial innovation/residential consumption/consumer finance/consumption upgrad-ing/economic growth/expansion of domestic demand/industrial transformation and upgrading引用本文复制引用
基金项目
国家社会科学基金项目(23BMZ076)
贺州学院博士科研启动基金项目(2023BSQD11)
&&(2023BSQD12)
出版年
2024
NETL
NSTL
万方数据