金融学院知识库

在我国经济增长由高速发展转为高质量发展背景下，金融科技产业的发展恰好为我国转变产业布局和经济增长方式提供了重要契机，积极发展我国金融科技产业，对于开辟新的经济增长点，实现我国经济可持续高质量发展有着重大意义。

本文对金融科技、经济质量发展、耦合协调度的相关概念及其理论进行阐述，在此基础上，从“资源配置—创新效应—产业结构升级”三个方面概述了两系统耦合协调的影响机制。经过对现有文献的整理，分别建立了对金融科技与经济高质量发展二个体系的综合评估指标，首先运用熵值法衡量了2011-2019年金融科技与经济高质量发展的综合评估水平，然后研究了二个体系间省级层次的时间空间发展变化规律，并通过耦合模型为金融科技与经济高质量发展的耦合互动关系做出分析研究，再通过计算Moran指数对二个体系间的区域空间发展自相关性做出研究，最后再利用PVAR模式对二个系统间的互动效应做出验证研究。

研究发现，2011-2019年金融科技与经济高质量发展水平均呈正向增长并有明显改善，其中金融科技发展指数由2011年的0.08到2019年的0.77实现跨越性增长，经济高质量发展水平指数由2011年的0.16平稳增长至2019年的0.24。各省市的系统耦合度涵盖了0.01-0.87间的九个系统耦合性协调区域，从时空发展的角度看，2011-2019年两系统耦合性的全国均数呈现了稳定增长的趋势，由0.37上升至0.69，在空间上，Moran指数呈现了正向聚集，多数区域呈现出或高-高或低-低聚集的空间特点，在交流互动关系上，金融科技对经济高质量发展的推动作用较为显著，而经济高质量发展对金融科技的促进作用仍有待提高。

Economic growth by the rapid development in our country into a high quality development background, the development of the financial industry of science and technology just for the transformation of the mode of industrial layout and economic growth in China provides an important opportunity to develop China's financial industry science and technology, to open up new economic growth point, our country economy sustainable development has a great significance to high quality.

This paper expounds the concepts and theories related to fintech, economic quality development and coupling coordination degree. On this basis, it summarizes the influence mechanism of coupling coordination between the two systems from three aspects: resource allocation -- innovation effect -- industrial structure upgrading. After sorting out the existing literature, the comprehensive evaluation indexes of the two systems of fintech and high-quality economic development are established respectively. Firstly, the entropy method is used to measure the comprehensive evaluation level of the fintech and high-quality economic development from 2011 to 2019, and then the temporal and spatial development and change laws of the two systems at the provincial level are studied. The coupling model is used to analyze the coupling interaction between fintech and high-quality economic development, and then the Moran index is calculated to study the regional spatial development autocorrelation between the two systems. Finally, the PVAR model is used to verify the interaction effect between the two systems.

The research finds that both fintech and high-quality economic development have positive growth and improved significantly from 2011 to 2019. The fintech development index has achieved a leapfrog growth from 0.08 in 2011 to 0.77 in 2019, and the high-quality economic development index has steadily increased from 0.16 in 2011 to 0.24 in 2019. The system coupling degree of each province covers nine coordination regions of system coupling between 0.01 and 0.87. From the perspective of spatio-temporal development, the national mean of the coupling degree of two systems shows a trend of stable growth from 2011 to 2019, rising from 0.37 to 0.69. Spatially, Moran index shows a positive aggregation. Most regions show the spatial characteristics of high-high or low-low clustering. In terms of communication and interaction, fintech plays a significant role in promoting high-quality economic development, while the role of high-quality economic development in promoting fintech still needs to be improved.