金融科技对企业价值影响研究综述
A Review of the Impact of Financial Technology on Enterprise Value

近年来，随着科技的发展，区块链、大数据逐渐应用到实际生产生活中，以互联网为基底的数字化经济背景已经覆盖了全国主要城市的大部分企业行业。我国的数字经济发展迅猛，规模迅速扩大，诸多的行业、企业受益于金融科技的同时，也促进了金融科技的进一步向前衍生。但是目前市场上的企业大多面临信息不对称、融资成本高、融资渠道闭塞难以持续发展等问题，这些弊病严重阻碍了企业的长远发展，打击了创新动力，影响了我国经济发展。当前，国内外学者对金融科技的研究热度不断攀升，特别是关于金融科技与企业价值关系的研究文献也在不断增加。明晰现阶段围绕金融科技对企业价值影响的研究现状与动态趋势，有助于更好地理解这一课题背后的经济影响，从而设计出合理的政策和优化措施，以化解潜在风险并助力市场经济长远发展。
In recent years, with the development of science and technology, blockchain and big data have gradually been applied to actual production and life, and the digital economic background based on the Internet has covered most of the enterprises and industries in major cities across the country. The rapid development of China’s digital economy and the rapid expansion of its scale have not only benefited from financial technology, but also promoted the further derivation of financial technology. However, most of the enterprises in the current market are facing problems such as information asymmetry, high financing costs, and blocked financing channels for sustainable development, which seriously hinder the long-term development of enterprises, hit the driving force of innovation, and affect China’s economic development. At present, the research enthusiasm of scholars at home and abroad on financial technology is rising, especially the research literature on the relationship between financial technology and corporate value is also increasing. Clarifying the current status and dynamic trends of the current research on the impact of FinTech on corporate value will help to better understand the economic impact behind this topic, so as to design reasonable policies and optimization measures to mitigate potential risks and contribute to the long-term development of the market economy.