荆楚理工学院学报2026，Vol.41Issue(4)：57-67,11.
银行金融科技助推县域电商创业研究
Bank Fintech Boosting County-Level E-commerce Entrepreneurship:A Research
摘要
Abstract
With the widespread application of cutting-edge technologies such as big data and artificial intelligence,bank fin-tech has become a crucial engine driving e-commerce entrepreneurship.This paper calculates the development level of bank fin-tech at the urban level and,through the quasi-natural experiment of the e-commerce demonstration county policy,conducts an in-depth investigation into the impact of bank fintech on county-level e-commerce entrepreneurship.Empirical results demonstrate that bank fintech significantly enhances the effect of the e-commerce demonstration county policy on urban entrepreneurial vitality,thereby markedly promoting e-commerce entrepreneurship.Mechanism analysis reveals that bank fintech fosters e-commerce en-trepreneurship by providing robust credit support.Heterogeneity analysis further indicates that the facilitating effect of bank fintech on e-commerce entrepreneurship is more pronounced in counties with well-developed digital infrastructure and higher financial lit-eracy levels.This fully illustrates the significant influence of"geographical advantages"and"social harmony"on the effectiveness of bank fintech.关键词
银行金融科技/电子商务/创业Key words
bank fintech/e-commerce/entrepreneurship分类
管理科学引用本文复制引用
刘礼稳..银行金融科技助推县域电商创业研究[J].荆楚理工学院学报,2026,41(4):57-67,11.基金项目
江西省教育厅科学技术研究项目(GJJ2407901) （GJJ2407901）
