지역산업연관표를 활용한 핀테크 산업의 경제적 파급효과 분석 : 부산지역을 중심으로 = Analysis of the Economic Ripple Effects of the Fintech Industry Using Regional Input-Output Tables : Focusing on the Busan Region

다국어 초록 (Multilingual Abstract)

Driven by the Fourth Industrial Revolution and accelerating digital transformation, the fintech industry is fundamentally reshaping the financial services paradigm and emerging as a pivotal growth engine for national economies. Since its designation as a financial hub in 2009, Busan Metropolitan City has strategically fostered the fintech sector through initiatives such as the Blockchain Special Regulation-free Zone and the Digital Financial Innovation District. Despite these efforts, quantitative evaluations of the fintech industry's economic impact in Busan remain limited. This study empirically analyzes the economic ripple effects of Busan’s fintech industry using the Bank of Korea’s 2020 Regional Input-Output Table. The methodology includes calculating inducement coefficients for production, value-added, and employment, and conducting linkage effect analysis using the sensitivity of dispersion index and the power of dispersion index. The analysis yielded a production inducement coefficient of 1.5793, a value-added inducement coefficient of 0.9345, and an employment inducement coefficient of 7.9835 persons per billion KRW. Notably, the fintech industry’s value-added inducement coefficient ranked second among 33 regional industries, demonstrating a substantial capacity for high value-added creation; however, significant inter-regional leakage effects due to dependence on extra-regional core infrastructure were also identified. The linkage effect analysis revealed, the sensitivity of dispersion index(forward linkage) was 1.4232(ranked 3rd), indicating robust forward linkage effects, whereas the index of the power of dispersion(backward linkage) stood at 0.8208(ranked 15th), revealing vulnerabilities in the backward linkage ecosystem. This study holds academic and policy significance in that it provides quantitative evidence for Busan’s fintech policies and emphasizes the necessity of establishing a foundation for endogenous growth through the completion of regional value chains.