Abstract:

Fintech platforms represent digital platforms and are the core driving force for the development of the digital economy. Grasping the non-linear impact, spatial spillover effect, and the heterogeneity of impact of digital technology innovation on the regional development of fintech platforms is the key to promoting the coordinated regional development of fintech platforms. First, the regional development index of fintech platforms is constructed based on the enterprise development dimension, platform application dimension, and public demand dimension. Then, the spatial Durbin econometric model and the threshold model are employed to analyze the threshold effect of the impact of digital technology innovation on the regional development of fintech platforms, and to explore the spatial spillover effect of digital technology innovation on the regional development of fintech platforms. Finally, whether there is spatial heterogeneity in the impact of digital technology innovations on the regional development of fintech platforms is investigated. The result shows that there is a threshold effect of informatization level when digital technology innovation promotes the regional development of fintech platforms. The catalytic effect is pronounced when the informatization level is low. The catalytic effect weakens when the informatization level is high. Digital technology innovation has a negative spatial spillover effect on the regional development of fintech platforms. The impact of digital technology innovation on the regional development of financial technology platform has spatial heterogeneity, and the effect is greater in underdeveloped regions than in developed regions.

Key words:

fintech platform, regional development, digital platform, spatial spillover, threshold effect

摘要：

金融科技平台是数字化平台的代表，也是推动数字经济发展的核心动力。把握数字技术创新对金融科技平台区域发展的非线性影响、空间溢出效应和影响的异质性是推动金融科技平台区域协调发展的关键。首先，基于企业发展维度、平台应用维度和公众需求维度构建金融科技平台区域发展指数；其次，运用空间杜宾计量模型和门槛模型分析数字技术创新对金融科技平台区域发展影响的门槛效应，探讨数字技术创新对金融科技平台区域发展的空间溢出效应；最后，研究数字技术创新对金融科技平台区域发展的影响是否存在空间异质性。研究表明：数字技术创新在促进金融科技平台区域发展时存在信息化水平的门槛效应。当信息化水平较低时，促进作用明显；当信息化水平较高时，促进作用减弱。数字技术创新对金融科技平台区域发展存在负向的空间溢出效应。数字技术创新对金融科技平台区域发展的影响具有空间异质性，其在欠发达区域的作用效果大于发达区域。

关键词:

金融科技平台, 区域发展, 数字化平台, 空间溢出, 门槛效应