金融科技对企业数字化转型的影响

The Impact of Fintech on the Digital Transformation of Enterprises

摘要: 进入21世纪后，金融科技的迅速发展正在对传统金融模式产生深远影响。数字化转型已成为企业未来发展的关键方向，对企业而言，它具有重要意义，能够帮助企业提升核心竞争力，从而实现更为稳健的发展。因此，探讨金融科技与企业数字化转型之间的具体关系显得尤为重要。本文将在相关研究的基础上，首先分析两者的作用机制，随后以金融科技和企业数字化转型为研究对象，选取2013~2023年的相关数据，采用实证分析方法，通过面板回归模型研究金融科技对企业数字化转型的影响。实证结果表明，金融科技的进步对企业数字化转型起到了积极推动作用，同时存在显著的地区差异效应和融资约束的中介效应。基于此，本文提出了推动企业数字化转型的建议，以供企业参考。

Abstract: Since the 21st century, the rapid development of Fintech is having a profound impact on the traditional financial model. Digital transformation has become a key direction for the future development of enterprises. For enterprises, it is of great significance as it can help them enhance their core competitiveness and thus achieve more stable development. Therefore, it is particularly important to explore the specific relationship between Fintech and the digital transformation of enterprises. Based on relevant research, this paper will first analyze the mechanism of action of both. Then, taking Fintech and enterprise digital transformation as the research objects, it will select the relevant data from 2013 to 2023, adopt empirical analysis methods, and study the impact of Fintech on enterprise digital transformation through panel regression models. Empirical results show that the advancement of Fintech has played a positive role in promoting the digital transformation of enterprises. Meanwhile, there are significant regional difference effects and mediating effects of financing constraints. Based on this, this paper puts forward suggestions for promoting the digital transformation of enterprises for their reference.