黄玺蓉,董纪昌,李秀婷,董志.金融科技赋能区域经济增长与协调发展[J].中国科学院院刊,2026,41(8):1717-1730.
金融科技赋能区域经济增长与协调发展
Fintech enables regional economic growth and coordinated development
金融科技赋能区域经济增长与协调发展
Fintech enables regional economic growth and coordinated development
作者
黄玺蓉1
中国科学院大学 经济与管理学院 北京 100190
HUANG Xirong1
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China
董纪昌1,2
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
DONG Jichang1,2
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
李秀婷1,2*
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
LI Xiuting1,2*
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
董志1,2
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
DONG Zhi1,2
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
中国科学院大学 经济与管理学院 北京 100190
HUANG Xirong1
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China
董纪昌1,2
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
DONG Jichang1,2
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
李秀婷1,2*
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
LI Xiuting1,2*
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
董志1,2
中国科学院大学 经济与管理学院 北京 100190;中国科学院大学 数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育)北京 100190
DONG Zhi1,2
School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation, University of Chinese Academy of Sciences, Beijing 100190, China
中文关键词
金融科技;经济增长;区域差异;区域协调发展
英文关键词
fintech;economic growth;regional disparities;regional coordinated development
中文摘要
文章基于多源大数据，针对当前我国区域协调发展面临的挑战，从激励研发创新、推动人才红利进程、放大区域溢出效应3个方面，剖析在新发展阶段金融科技赋能区域经济增长与协调发展的现状与内在逻辑。分析总结了金融科技赋能区域经济增长与协调发展中存在的问题，包括区域间金融科技差距显著、欠发达地区金融科技效应发挥受阻、金融科技复合型人才短缺及金融科技监管与信息保护制度尚待完善等。从构建互联互通的金融科技生态圈、实施差异化政策、加强金融科技复合型人才培养、强化金融科技监管4个方面提出了相应的政策建议。
英文摘要
Based on multi-source big data, this study analyzes the current situation and internal logic of fintech enabling regional economic growth and coordinated development in the new development stage, from the aspects of stimulating R&D, promoting talent dividend process, and amplifying regional spillover effect, in view of the current challenges facing China's regional coordinated development. Then, it analyzes the challenges and problems in fintech-enabled regional coordinated development, including the significant regional fintech gap, obstacles in the effectiveness of fintech in underdeveloped regions, the lack of fintech talents, and the fintech regulation and information protection system need to be improved. Finally, corresponding policy recommendations are put forward in four aspects: building an interconnected fintech ecosystem, implementing differentiated policies, strengthening the cultivation of fintech complex talents, and reinforcing fintech regulation.
DOI10.3724/j.issn.1000-3045.20240517002
