安徽省数字普惠金融推进产业结构升级的实证分析  

Empirical Analysis of the Promotion of Industrial Structure Upgrading by Digital Inclusive Finance in Anhui

作　　者：张琦 王晓润[1] ZHANG Qi;WANG Xiaorun(School of Economics and Management,Anhui Agriculture University,Hefei 230036,China)

机构地区：[1]安徽农业大学经济管理学院,安徽合肥230036

出　　处：《宿州学院学报》2022年第1期39-44,共6页Journal of Suzhou University

摘　　要：基于2011—2018年安徽省16个地级市的面板数据,探讨发展数字普惠金融对产业结构升级的推动作用及其内在作用机制。经过实证研究,发现了数字普惠金融及其三个维度(覆盖广度、使用深度和数字技术的支持度)对安徽省16个地级市的产业结构升级起到促进作用。通过作用机制的分析,得出了数字普惠金融从拓宽资金来源、促进技术创新、促进消费这三方面达到了促进产业结构升级的目标。此外,若要拓展数字普惠金融对安徽省产业结构升级的作用程度,应从完善基础设施、弥合数字鸿沟和服务小微企业来入手。最后用经验数据模型为数字普惠金融的优化发展提供了政策启示。Based on the panel data of 16 prefecture-level cities in Anhui Province from 2011 to 2018,this paper discusses the promoting effect of developing digital inclusive finance on industrial structure upgrading and its internal mechanism.Through empirical research,the paper finds that digital inclusive finance and its three dimensions:coverage breadth,use depth and digital technology support have indeed promoted the industrial structure upgrading of 16 prefecture-level cities in Anhui Province.Through the analysis of the mechanism of action,it is concluded that digital inclusive finance has reached the goal of promoting the upgrading of industrial structure from three aspects of broadening the source of capital,promoting technological innovation and promoting consumption.In addition,in order to expand the role of digital inclusive finance in the upgrading of industrial structure in Anhui Province,we should start from improving infrastructure,bridging the digital divide and serving small and micro enterprises.The significance of this paper lies in that it provides policy inspiration for the optimization and development of digital inclusive finance with empirical data model.

关 键 词：数字普惠金融 产业结构升级 面板数据 个体固定效应模型 

分 类 号：F121.3[经济管理—世界经济] F832