This paper uses data from 30 provinces in China from 2011 to 2018 as samples to analyze the impact of fintech on regional financial risks and its spatial spillover effects using spatial Dubin model. The analysis shows that fintech can restrain the accumulation of regional financial risks, but will accelerate the spillover of financial risks to neighboring regions. Therefore, the following suggestions are put forward: construct the fintech infrastructure system; perfect the construction of financial system and optimize the financial environment; attach importance to financial regulation.
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