互联网科技赋能消费金融行业高质量发展研究
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引用本文:李 礼1,蒋 乐2.互联网科技赋能消费金融行业高质量发展研究[J].财经理论与实践,2021,(4):10-15
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作者单位
李 礼1,蒋 乐2 (1.广东省社会科学院 财政金融研究所广东 广州 510635
2.湖南大学 经济与贸易学院,湖南 长沙 410079) 
中文摘要:基于2006-2019年中国省级面板数据,在固定效应模型的基础上进一步采用GLS方法实证分析了互联网科技进步与消费金融行业发展之间的关系,结果发现:互联网科技有效赋能我国消费金融行业的规模增长以及结构优化;相较于互联网基础设施、互联网发展环境以及互联网商务应用,互联网普及程度的正向影响较弱,表明我国互联网人口红利正在消失;新基建对消费金融行业结构优化,具有显著的边际效用递增作用,并逐渐形成行业发展的新动能。
中文关键词:互联网科技  消费金融  赋能效应  高质量发展
 
Research on Internet Technology Enabling High Quality Development of China's Consumer Finance Industry
Abstract:Based on China's inter-provincial panel data from 2006-2019, we empirically analyze the relationship between the progress of internet technology and the development of the consumer finance industry, and find that: Internet technology effectively empowers the scale growth as well as structural optimization of China's consumer finance industry; among them, internet infrastructure, internet development environment and internet business applications have important enabling effects, while the positive internet penetration The positive impact of internet penetration is weak, indicating that China's Internet demographic dividend is disappearing; in the past three years, the new infrastructure has had a significant incremental marginal utility effect on the structural optimization of the consumer finance industry, and gradually formed a new driving force for the industry's development.
keywords:internet technology  consumer finance  empowerment effect  high quality development
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