| 金融科技发展对城市金融韧性的影响研究 |
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| 引用本文：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,(3):26-32 |
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| 中文摘要:依据2011—2021年我国283个城市面板数据，考量金融科技发展对城市金融韧性的影响。结果显示：金融科技发展主要通过提升金融体系运行效率与金融服务实体经济效能，进而增强城市金融韧性。异质性分析显示，金融科技发展对中、西部地区以及非中心城市金融韧性的提升作用更显著。经济政策不确定性对金融科技发展增强城市金融韧性具有负向调节作用，高市场化水平则具有正向调节作用。鉴于此，应持续优化金融科技发展政策体系，实施差异化区域发展战略，进一步完善政策稳定性保障机制，深入推进市场化改革进程。 |
| 中文关键词:金融科技 金融韧性 经济政策不确定性 市场化水平 |
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| Research on the Impact of Fintech Development on Urban Financial Resilience |
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| 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 development 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 improving financial resilience in central and western regions, as well as in non-central cities. Additionally, 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 positive moderating role. In light of these findings, it is recommended to continuously optimize the policy framework for fintech development, implement differentiated regional development strategies, further improve the stability assurance mechanisms for policies, and deepen the process of market-oriented reforms. |
| keywords:fintech financial resilience economic policy uncertainty level of marketization |
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