普惠金融对产业结构升级的作用机制与效应研究  

Research on the Mechanism and Effect of Inclusive Finance on the Upgrading of Industrial Structure

作　　者：随力瑞 金浩[1] SUI Lirui;JIN Hao(School of Economics and Management, Hebei University of Technology, Tianjin 300401, China)

机构地区：[1]河北工业大学经济管理学院,天津300401

出　　处：《审计与经济研究》2022年第4期110-118,共9页Journal of Audit & Economics

基　　金：国家社会科学基金项目(20CRK010)。

摘　　要：在深化金融供给侧改革的背景下,基于2008—2019年中国省级数据,研究普惠金融发展与产业结构升级之间的关系,揭示普惠金融对产业结构升级的直接效应和空间溢出效应,并借助中介效应模型探究直接效应的作用路径。研究表明普惠金融可以通过人力资本积累、促进技术创新和提高资源配置效率三条路径推动产业结构升级,并且可以基于地理和经济联系对产业结构升级产生正向空间溢出效应。因此建立系统化的长期性政策保障体系,推动普惠金融发展,有利于推进产业结构升级进程,促进经济高质量发展。In the context of deepening the financial supply side reform,based on China's provincial data from 2008 to 2019,this paper studies the relationship between inclusive finance development and industrial structure upgrading,reveals the direct effect and spatial spillover effect of inclusive finance on industrial structure upgrading,and explores the action path of direct effect with the help of intermediary effect model.The research shows that inclusive finance can promote the upgrading of industrial structure through three paths:human capital accumulation,promoting technological innovation and improving the efficiency of resources allocation,and can have a positive spatial spillover effect on the upgrading of industrial structure based on geographical and economic ties.Therefore,the establishment of a systematic long-term policy guarantee system to promote the development of inclusive finance is conducive to promoting the upgrading process of industrial structure and promoting high-quality economic development.

关 键 词：普惠金融 产业结构升级 中介效应 空间溢出效应 技术创新 高质量发展 资源配置效率 

分 类 号：F832[经济管理—金融学] F812.5