财经理论与实践2025，Vol.46Issue(3)：26-33,8.DOI:10.16339/j.cnki.hdxbcjb.2025.03.004
金融科技发展对城市金融韧性的影响研究
Research on the Impact of Fintech Development on Urban Financial Resilience
摘要
Abstract
Based on panel data from 283 cities in China from 2011 to 2021,this study examines the impact of fintech development on urban financial resilience.The results show that fintech de-velopment primarily enhances urban financial resilience by improving the operational efficiency of the financial system and the effectiveness of financial services in supporting the real economy.Heterogeneity analysis reveals that fintech development has a more pronounced effect on impro-ving financial resilience in central and western regions,as well as in non-central cities.Addition-ally,economic policy uncertainties exert a negative moderating effect on the relationship between fintech development and urban financial resilience,while the level of marketization plays a posi-tive moderating role.In light of these findings,it is recommended to continuously optimize the policy framework for fintech development,implement differentiated regional development strate-gies,further improve the stability assurance mechanisms for policies,and deepen the process of market-oriented reforms.关键词
金融科技/金融韧性/经济政策不确定性/市场化水平Key words
fintech/financial resilience/economic policy uncertainty/level of marketization分类
管理科学引用本文复制引用
曾祥炎,侯丽娟..金融科技发展对城市金融韧性的影响研究[J].财经理论与实践,2025,46(3):26-33,8.基金项目
国家社会科学基金项目(20BJL096) （20BJL096）
