%0 Journal Article
%T 科技金融的发展对银行业全要素生产率的影响研究<br>Study on the Influence of the Development of Science and Technology Finance on the Total Factor Productivity of the Banking Industry
%A 李玉娇
%J Finance
%P 363-374
%@ 2161-0975
%D 2025
%I Hans Publishing
%R 10.12677/fin.2025.152038
%X 随着科技进步和变革&#65292;科技和金融相互融合不断增强&#65292;本文基于2006至2022年期间商业银行的数据&#65292;运用多种估计方法探讨了地区科技金融发展对银行全要素生产率的影响。实证分析结果表明&#65292;科技金融的发展显著促进了银行业的全要素生产率&#65292;即地区科技金融发展水平越高&#65292;对银行经营绩效的提升效应越明显。此外&#65292;各地区产业结构的差异在科技金融与银行全要素生产率之间的关系中起到调节作用&#65292;第三产业占比越高时&#65292;科技金融对银行业全要素生产率的促进效应越显著。<br>With the progress and change of science and technology, the mutual integration of science and technology and finance is constantly enhanced. Based on the data of commercial banks from 2006 to 2022, this paper discusses the impact of the development of regional science and technology finance on the total factor productivity of banks with various estimation methods. The empirical analysis results show that the development of science and technology finance has significantly promoted the total factor productivity of the banking industry, that is, the higher the development level of regional science and technology finance, the more obvious the improvement effect on the business performance of banks. In addition, the differences of industrial structure in different regions play a regulating role in the relationship between science and technology finance and the total factor productivity of banks. The higher the proportion of the tertiary industry is, the more significant the promotion effect of science and technology finance on the total factor productivity of the banking industry is.
%K 科技金融&#65292
%K 商业银行&#65292
%K 全要素生产率&#65292
%K 调节效应<br>Science and Technology Finance
%K Commercial Banks
%K Total Factor Productivity
%K Regulation Effect
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=108927