Financial Technology and the Integration of Industrial and Innovation Chains: The Role of Talent Structure and Urbanization

다국어 초록 (Multilingual Abstract)

This paper explores how financial technology (FinTech) affects the integration of industrial chains and innovation chains (IIC integration) in China, focusing on the roles of talent structure and urbanization in their relationship. Based on data from 2009 to 2022 in 31 Chinese provinces, an empirical analysis system was employed to assess the direct and indirect impacts of FinTech on IIC integration. The results show that FinTech significantly promotes the integration of industrial chains and innovation chains. Additionally, urbanization plays a partial mediating role in the relationship between FinTech and the integration of industrial and innovation chains. Meanwhile, talent structure plays an important moderating role in the relationship between FinTech and the integration of industrial and innovation chains, with significant regional differences in this moderating effect. These findings provide valuable references for policymakers to promote high-quality economic development by leveraging FinTech, optimizing talent resources, and advancing urbanization processes.