数字普惠金融、劳动力流动与产业结构优化——基于新经济地理视角的实证分析  

Digital Inclusive Finance,Labour Mobility and Industrial Structure Optimisation--Empirical Analysis Based on a New Economic Geography Perspective

作　　者：邢赵婷 钟若愚 Xing Zhaoting;Zhong Ruoyu

机构地区：[1]山西财经大学经济学院,太原030006 [2]深圳大学经济学院,广东深圳518055

出　　处：《经济问题探索》2023年第4期142-156,共15页Inquiry Into Economic Issues

基　　金：教育部人文社会科学重点研究基地重大项目“粤港澳大湾区建设综合性国家科学中心和区域性创新地的路径与机制探索研究”(22JJD790057),主持人:钟若愚;全国统计科学研究重点项目“面向特大城市风险管理的时点人口多源大数据分析与协同治理机制研究”(2021LZ37),主持人:钟若愚。

摘　　要：在新一轮科技革命背景下,数字普惠金融的发展为我国产业结构带来新的机遇和挑战。数字普惠金融能降低多种经济成本,提高资源配置效率,促进劳动力的流动,加速生产要素在行业间的分配影响着产业结构的演变,进而影响着经济增长。基于此,以新经济地理学理论为基础,研究数字普惠金融、劳动力流动与产业结构优化的作用机理,检验了数字普惠金融是否会影响产业结构优化,以及是否存在中介效应及空间溢出效应。实证研究发现:(1)信息服务成本高于冰山交易成本时,就形成了相对完善的地区分工,当全地区数字普惠金融产品消费占比充足时,数字普惠金融部门逐步向外围地区部分分散,形成新的产业结构;(2)劳动力流动是数字普惠金融发挥作用的有效中介渠道。数字普惠金融不仅对产业结构优化产生直接影响,还通过劳动力流动产生间接影响,从而提高产业结构优化效率;(3)数字普惠金融能够影响区域产业结构优化,能够对本地产生促进作用,但短期内对周边地区作用不甚显著。研究结果为新兴工业化国家促进信息化和工业化的融合,为转型和升级制造业提供了新的见解。In the context of a new round of technological revolution,the development of digital inclusive finance brings new opportunities and challenges to the unreasonable industrial structure of China.Digital inclusive finance can reduce various economic costs,improve the efficiency of resource allocation,and promote labor flow.The distribution of production factors among industries affects the evolution of industrial structure,thus affecting economic growth.Based on this,based on the theory of new economic geography,this paper studies the mechanism of digital inclusive finance,labor flow and industrial structure optimization,and tests whether digital inclusive finance will affect industrial structure optimization,and whether there is intermediary effect and spatial spillover effect.The empirical findings are as follows:(1)When the information service cost is higher than the iceberg transaction cost,a relatively complete regional division of labor is formed.When the consumption proportion of digital inclusive financial products in the whole region is sufficient,the digital inclusive financial sector is gradually dispersed to the periphery,forming a new industrial structure;(2)Labor mobility is an effective intermediary channel for digital financial inclusion to play a role.Digital financial inclusion not only has a direct impact on the optimization of industrial structure,but also has an indirect impact through labor flow,thus improving the efficiency of industrial structure optimization.(3)Digital inclusive finance can affect the optimization of regional industrial structure and promote the local industry,but it has no significant effect on the surrounding areas in the short term.The results provide insights for the newly industrialized countries to promote the integration of informatization and industrialization in order to transform and upgrade the manufacturing industry.

关 键 词：数字普惠金融 劳动力流动 产业结构优化 新经济地理学 空间计量 

分 类 号：F063.2[经济管理—政治经济学] F126.1