银行金融科技能否助力企业技术创新?——来自中国企业的微观证据

随着数字技术的快速发展,使得“技术+金融+银行业”结合态势日益凸显。本文利用中国银行金融科技专利申请信息,并将其结合企业银行贷款数据后检验并探讨了银行金融科技对企业技术创新的影响及其内在机理。研究发现：银行金融科技对企业技术创新具有显著促进效应,在进行了一系列内生性讨论和稳健性检验后,其基本研究结论保持一致。机制分析发现：重构银行信贷模式、优化银行信贷客户结构和改善银行信贷成本和信贷决策机制是银行金融科技发挥企业技术创新促进效应的三个重要机制。此外,银行金融科技还具有提升信贷资源配置效率的功能。本文为进一步加快企业技术创新和深化银行业发展的金融供给侧的改革提供理论和现实依据以及政策启示。

Can Bank Fintech improve enterprise technological innovation?—— Micro evidence from Chinese enterprises

With the rapid development of digital technology, the combination of technology, finance, and banking has become increasingly prominent. This article uses the information of China Bank"s fintech patent application and combines it with enterprise bank loan data to test and explore the impact of bank fintech on enterprise technological innovation and its underlying mechanism. Research has found that bank fintech has a significant promoting effect on enterprise technological innovation. After a series of endogeneity discussions and robustness tests, the basic research conclusions remain consistent. Mechanism analysis reveals that restructuring the bank credit model, optimizing the customer structure of bank credit, and alleviating the cost of bank credit and improving decision-making mechanism of bank credit are three important mechanisms for bank fintech to play a role in promoting enterprise technological innovation. In addition, bank fintech also have the function of improving the efficiency of credit resource allocation. This article provides theoretical and practical basis as well as policy inspiration for further accelerating enterprise technological innovation and deepening the financial supply side reform of banking industry development.