工业技术经济2025，Vol.44Issue(7)：88-99,12.DOI:10.3969/j.issn.1004-910X.2025.07.009
金融新质生产力对制造业企业出口技术复杂度的影响研究
Financial New Quality Productivity for Manufacturing Enterprises'Exports Research on the Impact of Technical Complexity
摘要
Abstract
Deepening financial reform and improving financial services are important paths for promoting the transformation of China's manufacturing industry from a trading power to a trading powerhouse through high-quality financial development.Therefore,this article takes commercial banks and manufacturing enterprises from 2015 to 2024 as research samples,and uses enterprise loan data to associate them with banks.And use machine learning algorithms to calculate the financial new quality productivity index,and study its impact on the technological complexity of enterprise exports.Through the deduction of theoretical models and empirical analysis,the following conclusions are drawn:(1)There is a positive correlation between financial new quality productivity and the complexity of enterprise export technology,and it plays a positive role in promoting enterprise technological progress,optimizing credit allocation,and improving credit governance mechanisms and channels;(2)Heterogeneity analysis shows that at the regional level,in areas with strong financial regulation and high popularity of online commercial banking services,the role of financial new quality productivity in the transformation and upgrading of foreign trade is particularly evident.However,at the enterprise level,it only plays a role in enterprises with high risk-taking levels and non high-tech industries;(3)Further analysis shows that the coor-dinated development of enterprise digital transformation and financial new quality productivity can further promote the positive effect of unilateral new quality productivity of banks on the complexity of enterprise export technology.关键词
金融新质生产力/出口技术复杂度/技术进步/信贷治理/信贷配置/多部门模型/银企匹配/机器学习Key words
financial new quality productivity/export technology complexity/technological progress/credit governance/credit allocation/multi sector model/bank enterprise matching/machine learning分类
管理科学引用本文复制引用
赵浩兴,章一帆..金融新质生产力对制造业企业出口技术复杂度的影响研究[J].工业技术经济,2025,44(7):88-99,12.基金项目
教育部人文社科重点课题"互联网经济视阈下中国流通企业商业模式创新及竞争力提升研究"(项目编号:16JJD790055). （项目编号:16JJD790055）
