نوع مقاله : مقاله پژوهشی

نویسندگان

1 استادیار گروه اقتصاد، دانشگاه فردوسی مشهد، مشهد، ایران

2 دانشجوی رشته اقتصاد، دانشگاه فردوسی مشهد، مشهد، ایران

چکیده

اقتصاد سبز مفهومی است که در دهه‌های اخیر مطرح شده و به عنوان چارچوبی به منظور بهبود رفاه و عدالت اجتماعی از طریق کاهش خطرات زیست محیطی تعریف شده است؛ به طوری که رشد سبز به استراتژی توسعه اقتصادی بسیاری از کشورهای جهان تبدیل شده است. در این میان، فین‌تک می‌تواند بر ارتقای رشد سبز مؤثر باشد. نظر به توسعه فین‌تک در ایران، این مقاله تلاش می‌کند اثر توسعه نوآوری فین‌تک را بر رشد سبز در ایران مورد بررسی قرار دهد. برای این منظور تجزیه و تحلیل داده‌های تحقیق به صورت فصلی طی دوره زمانی 1400-1392 با استفاده از الگوی ARDL انجام گرفته است. نتایج تحقیق حاکی از آن است که با گسترش یک درصدی توسعه خدمات فین‌تک، رشد سبز به میزان 44/0 درصد بهبود می‌یابد. نوآوری فین‌تک ضمن کاهش هزینه‌ها و بهبود کیفیت خدمات مالی، از طریق اعتبار سبز و سرمایه‌گذاری سبز موجب بهبود رشد اقتصادی سبز ‌می‌گردد. بنابراین اقداماتی در جهت نظام‌مندی، یکپارچگی و هم‌افزایی توسعه خدمات فین‌تک از طریق گسترش سرمایه‌گذاری سبز و بهبود محیط زیست، می‌تواند به بهبود رشد سبز کمک نماید.

کلیدواژه‌ها

عنوان مقاله [English]

The Effect of Fintech Innovation on Green Growth in Iran

نویسندگان [English]

  • Hadi Esmaeilpour Moghadam 1
  • Arezoo Karami 2

1 Assistant Professor, Department of Economics, Faculty of Economics and Administrative Sciences, Ferdowsi University of Mashhad, Mashhad, Iran

2 Student in Economics, Faculty of Economics and Administrative Sciences, Ferdowsi University of Mashhad, Mashhad, Iran

چکیده [English]

The green economy is a concept introduced in recent decades and has been defined as a framework for improving social welfare and justice by reducing environmental risks. Green growth has become the economic development strategy of many countries worldwide. In the meantime, FinTech can be effective in promoting green growth. Considering the development of FinTech in Iran, this article tries to examine the effect of the development of FinTech innovation on green growth in Iran. For this purpose, quarterly research data analysis was performed from 2013 to 2022 using the ARDL model. The results show that with a one percent expansion of FinTech services development, green growth will improve by 0.44 percent. FinTech innovation can reduce costs and improve the quality of financial services. It can also lead to green economic growth through green credit and green investment. Therefore, measures for systematization, integration, and synergy of Fintech services development to expand green investment and improve the environment can help improve green growth

کلیدواژه‌ها [English]

  • Financial Technology
  • Green Growth
  • Green Economy
  • Iran
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