Abstract
Based on the panel data of 30 provincial administrative planning regions in China from 2011 to 2020, this paper examines the impact of fintech on the achievement of regional innovation, and further studies the regulatory effect and interaction of Foreign Direct Investment and Industry-University-Research Collaboration on the relationship between them. The results show that: fintech is positively correlated with the achievement of regional innovation; further research shows that Foreign Direct Investment makes an inhibitory role on fintech, Industry-University-Research makes a promotive role on fintech and there is a substitution effect between Industry-University-Research and Foreign Direct Investment in a long-term planning. The analysis of regional innovation efficiency of our country shows that regional independent innovation is still in the stage of Economies of scale, and the allocation of social resources has not reached the optimal level.
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