摘要
当前,金融科技强势崛起并对经济社会生活产生了广泛而深远的影响,其中对产业转型升级的影响,正在成为激发我国经济发展的内生动力,成为学者们关注的重要课题。依照“需求-供给”框架梳理现有相关文献,将居民消费、就业、企业生产成本、资源配置等因素纳入金融科技影响产业转型升级机理的分析。从供给角度来解释金融科技影响居民的消费方式及就业情况等,对产业产生结构调整效应,影响产业转型升级。从资源配置角度分析金融科技通过生产成本、产业集聚等机制影响产业转型升级的路径。需要进一步强化对金融科技支持创业转型升级的理论研究以及相关政策、路径和机制、金融科技风险管理等方面的研究。
At present,the strong rise of financial technology has exerted a wide and far-reaching impact on economic and social life.Its impact on the transformation and upgrading of industries has become a new mechanism to stimulate the endogenous driving force for China's economic development,and has become an important research subject for scholars.According to the"demand-supply"framework,the existing relevant literature was sorted out,and factors such as residents'consumption,employment,enterprise production cost,and resource allocation were included in analyzing the impact of finical technology on industrial transformation and upgrading.From the perspective of supply,this paper explains how financial technology plays a role in residents'consumption patterns and employment to further adjust the structure of industries and affect the transformation and upgrading of industries.From the perspective of resource allocation,the paper analyzes how financial technology works on production cost,industrial agglomeration and other mechanisms to affect industrial transformation and upgrading.It is necessary to further strengthen the research on theories,relevant policies,paths and mechanisms,as well as the risk management of financial technology in supporting entrepreneurial transformation and upgrading.
作者
刘建江
彭娜
李嘉琪
LIU Jian-jiang;PENG Na;LI Jia-qi(School of Economics and Management,Changsha University of Science and Technology,Changsha,Hunan 410114,China)
出处
《长沙理工大学学报（社会科学版）》
2021年第5期114-126,共13页
Journal of Changsha University of Science and Technology：Social Science
基金
教育部哲学社会科学研究重大招标课题攻关项目(17JZD022)
湖南省教育科学“十四五”规划重大项目(XJK21ZDWT001)
湖南省教育厅科学研究重点项目(19A015,17CX031)。
关键词
金融科技
产业转型升级
产业结构
资源配置
financial technology
industrial transformation and upgrading
industrial structure
resources allocation
