【摘要】 经过多个阶段的演进和发展，金融科技对我国经济高质量发展产生了显著的影响，但是整个金融体系中存在的风险依然需要得到重视。基于2009-2022年中国31个省份的面板数据进行回归分析，结果表明：金融科技对区域金融风险存在显著的正向影响；同时，金融科技发展水平对金融风险的影响作用存在地区异质性，在更发达的地区，金融科技对区域金融风险产生的影响更显著；进一步研究发现，金融科技对区域金融风险的加剧效应随着金融监管强度的增加而相对减弱；在适当的通货膨胀水平下，当通货膨胀水平高于门槛值时，金融科技对区域金融风险的促进效果会有所减弱，更多地释放金融科技发展所产生的正面效应。更多还原

【Abstract】 After several stages of evolution and development, financial technology has had a significant impact on the high-quality development of China ’s economy. But the risks in the entire financial system still need to be taken seriously. Based on the panel data of 31 provinces in China from 2009 to 2022, the regression analysis is carried out to study the impact of financial technology development on regional financial risks. The results show that financial technology has a significant positive impact on regional financial risks; at the same time, there is regional heterogeneity in the impact of the level of financial technology development on financial risks. In more developed regions, the impact of financial technology on regional financial risks is more significant; further research finds that the aggravating effect of financial technology on regional financial risks is relatively weakened with the increase of financial supervision intensity. Under the appropriate level of inflation, when the level of inflation is higher than the threshold value, the promotion effect of financial technology on regional financial risks will be weakened, and more positive effects generated by the development of financial technology will be released.更多还原