| As an innovative product of digital technology,traditional financial business and financial technology not only innovate the traditional financial business model,but also subtly changes the business model and production method of enterprises.Because financial technology has the characteristics of wide coverage,deep coverage and strong user stickiness,major financial institutions have combined their own business with new technologies to build financial technology businesses on the basis of their original advantages,providing enterprises with more Convenient and efficient lending services,investment and financing services,financial consulting services,etc.;digital transformation is the key direction for enterprises to achieve business breakthroughs,which is of great significance for enterprises to improve their own production efficiency,reduce costs,and improve industry competition barriers.Enterprises apply big data technology,artificial intelligence technology,Internet of Things technology,cloud computing technology,and blockchain technology to their own business,internal processes,management decisions,etc.to solve problems such as internal information asymmetry and low management efficiency;digital transformation Enterprises themselves are not optional but mandatory.In the wave of digital transformation,peers who take the lead in transformation can take advantage of their own internal information transmission efficiency and business diffusion advantages to increase market share,and in view of the efficiency and speed of digitalization,enterprises can better It is close to users,provides convenient and effective services for customers,and helps users to deal with questions in a timely manner;and research and development can also timely collect user information from the market to optimize products,which can cultivate user stickiness and improve its own product performance at the same time.The digital transformation of enterprises requires a lot of financial support,and also considers liquidity risks,business cyclical risks,investment and financing risks,etc.Therefore,fintech has become the best choice and best auxiliary tool for enterprises to reduce the risks of digital transformation.Fintech can first provide appropriate financial support according to the business cycle of enterprises,and can provide foresighted experience to help enterprises choose the best transformation route and ensure digital construction without interruption of business operations.In this paper,aiming at the impact of financial technology on the digital transformation of enterprises,this paper conducts in-depth research on the mechanism and transmission path,so as to provide corresponding ideas and construction methods for financial technology-enabled enterprises to improve the degree of digitalization,improve company barriers,and achieve sound business development.Therefore,this paper has important theoretical significance and application value for promoting the related research on financial technology and enterprise digital transformation and assisting the digital transformation of enterprises themselves.This paper mainly takes the explosive growth of financial technology and its impact on the digital transformation of enterprises as the background,and analyzes the impact of financial technology on digital transformation from the micro-enterprise level.Enterprises with different regional gradients are classified to judge the impact of financial technology;further explore the impact path of financial technology on the digital transformation of enterprises,so as to put forward corresponding suggestions and methods for enterprises and the government.From a theoretical point of view,this paper first summarizes and historically defines the concepts of fintech and enterprise digital transformation and the impact relationship between them.From an empirical point of view,further study the current status of financial technology and digital transformation in my country,and combine the two different dimensions of financial technology indicators(financial technology index,digital financial inclusion index)with the underlying technology of enterprise digital transformation(big data technology),blockchain technology,cloud computing technology,artificial intelligence technology,Internet of Things technology)and six subdivisions of digital application technology to conduct an in-depth discussion,study the current application of different hightech in the production and operation of enterprises,and judge the digital transformation of enterprises.The main direction is to use empirical means to verify the above research hypotheses.And further through the interaction effect mechanism test,we found the intermediate variables between financial technology and enterprise digital transformation.Based on this,this paper explores and analyzes the impact of financial technology on microlevel enterprises from the depth and breadth of digital transformation,and the transmission path of innovation investment,and then proposes guidance for the development and supervision of digital transformation of enterprises under the background of financial technology from the above research opinion.Therefore,based on the data of A-share listed companies in Shanghai and Shenzhen stock exchanges from 2011 to 2018,this paper studies the impact of financial technology on the digital transformation of enterprises through the perspective of enterprise innovation investment.The specific impact is as follows: Fintech has a significant role in promoting the digital transformation of enterprises,and has obvious effects on the underlying technology of enterprise digital transformation and cloud computing,artificial intelligence,and blockchain technology in the underlying technology;Enterprises with different equity nature and technological level all have a significant promoting effect,but the degree is slightly different;but the effect on enterprises in different regions is quite different,and only the first gradient enterprises have a significant promoting effect;according to the time limit,the research found that in 2015 Post-fintech has a significant role in promoting the digital transformation of enterprises,and financial technology can work together with the factors of enterprise innovation investment to contribute to the digital transformation of enterprises.Fintech can significantly improve the willingness of enterprises to digitally transform and strengthen the construction of digital transformation.The digital transformation of enterprises will promote the improvement of enterprise value,which will further help improve the production efficiency of the whole society and promote the high-quality development of the economy,and the incentive effect on the digital transformation of enterprises will be regulated by R&D investment.Technical strength,knowledge storage,human capital and other aspects will be relatively strong,which will help enterprises to accelerate digital transformation.Therefore,the government should increase the influence of financial technology to accelerate the digitalization process of enterprises,so that enterprises have sufficient endogenous funds for digital transformation.This paper studies and enriches the micro-documents of financial technology in the perspective of enterprise innovation investment,and uses Python technology to collect data to manually sort out financial technology and digital transformation indicators for empirical analysis,providing theoretical and empirical insights for the impact of financial technology on enterprise digital transformation.empirical evidence.And this paper puts forward important guiding opinions: First,the government should strengthen the policy support system for financial technology at the macro level.In the new era,it is necessary to comply with the general trend of digital economy development,lead the technological revolution,and support the support of financial technology to the real economy from the policy level.Under the premise of preventing major systemic risks,enterprises are encouraged to seize the opportunities of digital transformation,actively promote the development of digital technology,and make enterprises occupy an important position in the high-quality economic development;secondly,enterprises themselves should also formulate differentiated transformation according to their own status quo.Strategy,actively respond to government policy orientation,give full play to the technological advantages of fintech in the digital transformation of enterprises,improve their own technological level,facilitate R&D innovation,weigh the allocation of internal funds,and reduce risks in the digital transformation of enterprises. |
