The Impact Of Financial Technology On The Quality Of Export Products

In recent years, with the continuous advancement of the process of global eco-nomic integration, international trade has become more frequent and com-plex, and the global trade pattern has been accelerated to restructure, and the quality of export products has become the core competitiveness of countries to compete for international market share. Although China's total export has been ranked first in the world for several years, the problems of low added value and insuffi-cient technical content of export products still restrict international competi-tiveness. At the same time, developed countries have raised the quality thresh-old of the international market by means of "carbon tariffs", complex technical standards and certifications, and seriously impacted China's export industry. Under the dual background of global value chain reconstruction and China's ex-port transformation and upgrading, this study empirically examines the im-pact mechanism of fintech on the quality of export products, as well as regional dif-ferences and threshold effects, based on China's provincial panel data from 2011 to 2023. The research results show that fintech can significantly improve the quality of export products through multiple channels: (1) Fintech provides strong support for technology research and development and product upgrading by improving the innovation ability of enterprises, thus promoting the export of high-tech and high value-added products; (2) By optimizing the efficiency of resource allocation, financial technology enables capital, technology and human resources to flow efficiently to the key fields of export product production, and improves the overall production efficiency and product quality