The impact of AIGC technology penetration in Fintech on entrepreneurship of small and medium-sized enterprises

IF 9.8 1区经济学 Q1 BUSINESS, FINANCE

International Review of Financial Analysis Pub Date : 2025-09-21 DOI:10.1016/j.irfa.2025.104656

Chenyu Guo , Hongye Zhang , Youwei Chai , Hao Gao , Rongjie Lv

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引用次数: 0

Abstract

Against the backdrop of the deep integration of AIGC (Artificial Intelligence Generated Content) technology reshaping financial services, fintech is increasingly becoming a key driving force for entrepreneurship among small and medium-sized enterprises (SMEs). This paper systematically explores, from four dimensions, how fintech, empowered by AIGC technology, can effectively promote SME entrepreneurship. The research findings are as follows: fintech significantly fosters SME entrepreneurship; under the penetration of AIGC technology, fintech promotes SME entrepreneurship by enhancing total factor productivity; fintech also facilitates SME entrepreneurship by reducing information uncertainty in the context of AIGC technology penetration; government policy support further reinforces the positive impact of fintech on SME entrepreneurship amid AIGC technology integration; and the positive effect of fintech on SME entrepreneurship is more pronounced in eastern regions and among private enterprises. This study reveals potential pathways for the integrated development of AIGC and fintech, providing theoretical support and practical reference for governments, technology enterprises, and entrepreneurs in formulating more forward-looking strategies.

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金融科技领域AIGC技术渗透对中小企业创业的影响

在人工智能生成内容（AIGC）技术深度融合重塑金融服务的背景下，金融科技正日益成为中小企业创业的关键动力。本文从四个维度系统探讨了金融科技在AIGC技术的驱动下，如何有效促进中小企业创业。研究发现：金融科技显著促进中小企业创业；在AIGC技术的渗透下，金融科技通过提高全要素生产率促进中小企业创业；在AIGC技术渗透的背景下，金融科技还通过减少信息不确定性来促进中小企业创业；在AIGC技术融合的背景下，政府政策支持进一步强化了金融科技对中小企业创业的积极影响；金融科技对中小企业创业的积极作用在东部地区和民营企业中更为明显。本研究揭示了AIGC与金融科技融合发展的潜在路径，为政府、科技企业和企业家制定更具前瞻性的战略提供理论支持和实践参考。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Review of Financial Analysis BUSINESS, FINANCE-

CiteScore

10.30

自引率

9.80%

发文量

366

期刊介绍： The International Review of Financial Analysis (IRFA) is an impartial refereed journal designed to serve as a platform for high-quality financial research. It welcomes a diverse range of financial research topics and maintains an unbiased selection process. While not limited to U.S.-centric subjects, IRFA, as its title suggests, is open to valuable research contributions from around the world.