Research on the Impact and Mechanism of Fintech on the Development of New Productivity of Enterprises

At a critical juncture of profound global economic restructuring and domestic economic transformation, the concept of new-type productive forces has been proposed, whose development holds significant implications for maintaining competitive advantages, achieving high-quality growth, and advancing modernization-oriented development paths. However, the cultivation of new-type productive forces currently faces multiple challenges, including the need to enhance technological innovation capacity and address imbalances in financial resource allocation. As the financial sector serves as a key driver of productivity development, the advancement of new-type productive forces places higher demands on the service functions of the financial system. In recent years, the rapid development of financial technology (fintech), with its transformative impact on financial activities and resource optimization, has emerged as a potential effective entry point for fostering new-type productive forces. Against this backdrop, several critical questions remain: Can fintech effectively empower corporate new-type productive forces? Through what channels does it exert influence? And what factors determine the intensity of its impact? This paper focuses on the influence and mechanisms of fintech on corporate new-type productive forces. Through data analysis, it examines fintech's role in improving corporate financing efficiency, fostering innovation capabilities, and optimizing resource allocation. By utilizing market data and presenting results through visualized tables, the study aims to provide theoretical support and practical reference for enterprises seeking to leverage fintech to enhance new-type productive forces.