中国省域金融科技就绪度的测算
Calculation of China’s Provincial Financial Technology Readiness
摘要: 中国金融科技的发展在过去几年取得了显著的成就,已成为全球重要的区域科技创新中心。中国金融科技对服务实体经济和促进贸易出口具有重要意义。本文使用因子分析法构建了金融科技就绪度指标体系,对中国金融科技就绪得分进行评价分析,并使用ArcGIS软件分描绘金融科技就绪度得分强度图,从而更直观地感受中国金融科技在空间和时间上的分布。通过数据可视化可得到以下结论:中国金融科技发展迅猛,并且其发展具有区域性。
Abstract: China’s financial technology development has made remarkable achievements in the past few years and has become an important regional technology innovation center in the world. China's financial technology is of great significance to serving the real economy and promoting trade and exports. This article uses the factor analysis method to construct a financial technology readiness index system, evaluates and analyzes China’s financial technology readiness score, and uses ArcGIS software to depict the score intensity map of financial technology readiness, so as to more intuitively feel the spatial and temporal distribution of China’s financial technology. Through data visualization, the following conclusions can be drawn: China’s financial technology is developing rapidly, and its development is regional.
文章引用:段玥彤. 中国省域金融科技就绪度的测算[J]. 可持续发展, 2024, 14(3): 745-757. https://doi.org/10.12677/sd.2024.143084

参考文献

[1] 巴曙松, 白海峰. 金融科技的发展历程与核心技术应用场景探索[J]. 清华金融评论, 2016(11): 99-103.
[2] 李扬, 孙国峰. 金融科技蓝皮书: 中国金融科技发展报告(2017) [J]. 金融评论, 2017, 9(4): 212.
[3] 陈生强. 金融科技的全球视野与实践[J]. 中国银行业, 2017(5): 46-49.
[4] 皮天雷, 刘垚森, 吴鸿燕. 金融科技: 内涵、逻辑与风险监管[J]. 财经科学, 2018(9): 16-25.
[5] Lyons, A.C., Kass-Hanna, J. and Fava, A. (2021) Fintech Development and Savings, Borrowing, and Remittances: A Comparative Study of Emerging Economies. Emerging Markets Review, 2021, Article ID: 100842. [Google Scholar] [CrossRef
[6] Croutzet, A. and Dabbous, A. (2021) Do FinTech Trigger Renewable Energy Use? Evidence from OECD Countries. Renewable Energy, 179, 1608-1617. [Google Scholar] [CrossRef
[7] 郭峰, 王靖一, 王芳, 等. 测度中国数字普惠金融发展: 指数编制与空间特征[J]. 经济学(季刊), 2020, 19(4): 1401-1418.
[8] 李春涛, 闫续文, 宋敏, 等. 金融科技与企业创新——新三板上市公司的证据[J]. 中国工业经济, 2020(1): 81-98.
[9] 郭品, 沈悦. 互联网金融加重了商业银行的风险承担吗?——来自中国银行业的经验证据[J]. 南开经济研究, 2015(4): 80-97.
[10] 汪可, 吴青, 李计. 金融科技与商业银行风险承担——基于中国银行业的实证分析[J]. 管理现代化, 2017, 37(6): 100-104.
[11] 杨望, 徐慧琳, 谭小芬, 薛翔宇. 金融科技与商业银行效率——基于DEA-Malmquist模型的实证研究[J]. 国际金融研究, 2020(7): 56-65.
[12] 宋敏, 周鹏, 司海涛. 金融科技与企业全要素生产率——“赋能”和信贷配给的视角[J]. 中国工业经济, 2021(4), 138-155.
[13] 黄健青, 水淼, 柴文义. 电子商务发展就绪度水平模型及实证研究[J]. 统计与决策, 2012, 28(18): 100-103.
[14] 刘跃, 周亮. 中国地区电子政务就绪度的行政生态视角分析[J]. 重庆大学学报(社会科学版), 2013, 19(3): 13-19.
[15] 张伯超, 沈开艳. “一带一路”沿线国家数字经济发展就绪度定量评估与特征分析[J]. 上海经济研究, 2018, 30(1): 94-103.
[16] Khaled, M., Alam, M.M.J. and Kazi, S. (2023) Customer FinTech Readiness (CFR): Assessing Customer Readiness for Fintech in Bangladesh. Journal of Open Innovation: Technology, Market, and Complexity, 9, Article ID: 100032. [Google Scholar] [CrossRef
[17] Tidjani, C. (2020) Readiness to the FinTech Industry in Developing Countries: An Overview of Prospective Factors Impacts. In: San-Jose, L., Luis Retolaza, J. and Van Liedekerke, L., Eds., Handbook on Ethics in Finance, Springer, Cham, 269-299. [Google Scholar] [CrossRef
[18] Polymeni, S., et al. (2022) Findeas: A Fintech-Based Approach on Designing and Assessing IoT Systems. IEEE Internet of Things Journal, 9, 25196-25206. [Google Scholar] [CrossRef
[19] Charaia, V., Chochia, A. and Lashkhi, M. (2021) Promoting Fintech Financing for SME in S. Caucasian and Baltic States, during the COVID-19 Global Pandemic. Business, Management and Economics Engineering, 19, 358-372. [Google Scholar] [CrossRef
[20] Daqar, M.A. (2021) The Readiness of the Palestinian Banking Industry to Fintech Era: Measuring the Fintech Ecosystem in Palestine. Diss. Magyar Agrárés Élettudományi Egyetem.
[21] Andriole, S.J. (2019) Measuring Global FINTECH Readiness. The Business & Management Review, 10, 355-361.