首页|金融科技促进居民消费的作用机制与路径研究

金融科技促进居民消费的作用机制与路径研究

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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.
Research on the Mechanism and Path of FinTech in Promoting Residents'Consumption
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.

FinTechfinancial innovationresidential consumptionconsumer financeconsumption upgrad-ingeconomic growthexpansion of domestic demandindustrial transformation and upgrading

敖华、闫强

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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

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

国家社会科学基金项目贺州学院博士科研启动基金项目&&

23BMZ0762023BSQD112023BSQD12

2024

西南金融
四川省金融学会

西南金融

CHSSCD北大核心
影响因子：0.821
ISSN：1009-4350
年,卷(期)：2024.(7)
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