金融科技对企业创新绩效的影响研究

——基于中国A股上市企业数据

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中图分类号：F832.3；F276.3 文献标识码：A doi：10.3969/j.issn.1672-2272.202509021

Research on the Impact of FinTech on Enterprise Innovation Performance： Evidence from A-Share Listed Companies in China

Wang Mengyao，Zhu Huanxue （School of Finance and Investment，Hebei Finance University，Baoding O7looo，China）

Abstract：China has proposed to“strengthen the dominant position of enterprises in technological innovation”and give fullplay to the important role of enterprises in the national economic system.Based on the data of Chinese A-share listed companies from 2014 to 2024 as the research sample，this study constructs an indicator of regional fintech development level through Baidu News retrieval of the keyword “financial technology”，and empirically analyzes the impact and mechanism of fintech development on corporate innovation performance. The results show that fintech can drive corporate innovation by alleviating financing constraints；heterogeneity analysis indicates that the role of fintech in promoting corporate innovation is more pronounced in large-scale enterprises and non-state-owned enterprises. By indepth exploring the mechanism of fintech's impact on corporate innovation performance，the research conclusions provide theoretical basis and practical guidance for optimizing fintech development and promoting the improvement of corporate innovation performance.

Keywords：fintech；innovation performance；financingconstraints

0 引言

近年来，随着数字经济的快速发展，金融科技作为技术驱动金融创新的重要力量，正在深刻改变传统金融服务的模式与效率。（剩余11863字）