| 摘要: |
| 摘要：金融科技是促进金融高质量发展的重要因素，绿色信贷作为绿色金融的重要组成部分，在推动我国绿色经济发展中发挥着重要作用。基于2011－2022年我国31个省份的面板数据，构建双向固定模型和中介效应模型，深入探讨金融科技对绿色信贷的影响及其内在的传导机制。研究结论表明：第一，金融科技能明显促进绿色信贷发展，且经过一系列稳健性检验和内生性检验后结论依然成立；第二，绿色创新水平在金融科技对绿色信贷的影响中起到关键的传导作用；第三，异质性分析结果发现，相较于环境规制低、沿海以及经济发展程度高的地区，金融科技对绿色信贷的促进作用在环境规制高、非沿海地区以及经济发展程度低的地区更为显著。为进一步促进绿色信贷健康发展，建议强化金融科技的应用范畴、提高绿色创新能力、因地制宜提供政策支持、完善监管体系以及推动绿色信贷与绿色金融体系的协同发展。 |
| 关键词: 关键词：金融科技；绿色信贷；绿色创新；区域差异 |
| DOI： |
| 分类号:F832.5 |
| 基金项目: |
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| Impact of Financial Technology on the Development of Green Credit：Transmission Mechanisms and Regional Differences |
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WAN Wei,CHEN Liu-qin
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(Beijing Qindian Think Tank Co.,Ltd)
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| Abstract: |
| Abstract：Fintech is an important factor in promoting high financial development,and green credit,as an important part of green finance,plays an important role in promoting the development of China’s green economy.Based on the panel data of 31 provinces in China from 2011 to 2022,a two-way fixed model and a mediation effect model are constructed to deeply explore the impact of fintech on green credit and its inherent transmission mechanism.The findings show that,first,FinTech can significantly promote the development of green credit,and the conclusion still holds after a series of robustness tests and endogeneity tests；second,the level of green innovation plays a key role in the transmission of FinTech’s impact on green credit.Third,the results of the heterogeneity analysis found that the promotion effect of fintech on green credit is more significant in regions with high environmental regulation,non-coastal areas and low economic development than in regions with low environmental regulation,coastal areas and high economic development.In order to further promote the healthy development of green credit,it is recommended to strengthen the scope of application of financial technology,improve green innovation capacity,provide policy support according to local conditions,improve the regulatory system and promote the synergistic development of green credit and green financial system. |
| Key words: Key words：Fintech；Green Credit；Green Innovation；Regional Differences |
