Abstract: The development of financial technology (Fintech), as a crucial channel for empowering the real economy, injects new momentum into the high-quality growth of regional trade. Based on panel data of Chinese cities from 2008 to 2016, this study empirically analyzes the impact and underlying mechanisms of urban Fintech development on the improvement of export product quality. The research finds that Fintech development promotes the upgrading of urban export products by alleviating financing constraints, correcting financial mismatches, enhancing innovation capacity, and stimulating consumer demand. Heterogeneity analysis reveals that the positive effect of Fintech on export product quality is more pronounced in cities closer to ports, with higher levels of market integration, and superior commercial credit environments. Moderating effect analysis further indicates that financial regulation integrating effective market mechanisms with proactive government policies helps reinforce the positive role of Fintech in improving urban export product quality. The conclusions underscore the significance of Fintech-driven financial innovation in upgrading export quality in Chinese cities and provide insights into promoting high-quality development of financial services and trade.

Key words: Fintech, export product quality, financing constraints, financial mismatches, financial regulation