Abstract
ABSTRACTIn this article, we analyzed the impact mechanism of Internet finance on the efficiency of regional financial resource allocation. A data envelopment analysis–Malmquist model is used to measure the efficiency of financial resource allocation in 30 provinces in China, and the impact of Internet finance on the efficiency of regional financial resource allocation is tested using a spatial Durbin model. The results show clear spatial agglomeration and spillover effects in the efficiency of regional financial resource allocation. In addition, developing Internet finance can promote the efficiency and technological progress of regional financial resource allocation and can enhance efficiency and technological progress in the allocation of financial resources in adjacent regions. However, it can hurt the technical efficiency of regional financial resource allocation.
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