普惠金融对经济韧性和产业结构升级的影响研究  

Study on the Impact of Inclusive Finance on Economic Resilience and Industrial Structure Upgrading

作　　者：陈妍[1] 贾欣悦 谢青青 陈爽[1] CHEN Yan;JIA Xinyue;XIE Qingqing;CHEN Shuang

机构地区：[1]中国人民银行吉林市分行,吉林吉林132000

出　　处：《吉林金融研究》2024年第7期21-25,共5页Journal of Jilin Financial Research

摘　　要：普惠金融作为我国金融发展战略“五篇大文章”之一,是未来经济增长的动力所在。在经济因素、政治因素、环境因素不断波动的当下,国家经济体系的发展质量至关重要。本文探究普惠金融与经济韧性和产业结构升级之间的因果关系和动态影响,对于增强我国经济系统应对外部冲击、实现经济的自我造血有着重要意义。结果表明,普惠金融通过多渠道对经济韧性和产业结构升级产生促进作用,但普惠金融可能因为金融结构不合理和过度金融问题对产业结构升级产生抑制作用。建议加大普惠金融渗透度和使用度、优化对创新创业项目的支持、多样化加强普惠金融供给、优化金融供给侧结构、警惕“金融过度”。Inclusive finance,as one of the"five big articles"of China's financial development strategy,is the driving force of future economic growth.At a time when economic,political and environmental factors are constantlyfluctuating,the quality of the development of a national economic system is of Paramount importance.This paper explores the causal relationship and dynamic influence between inclusivefinance,economic resilience and industrial structure upgrading,which is of great significance for strengthening China's economic system to cope with external shocks and realize economic self-hematopoietic.The results show that inclusivefinance can promote economic resilience and industrial structure upgrading through multiple channels,but inclusivefinance may inhibit industrial structure upgrading due to unreasonablefinancial structure and excessivefinancial problems.It is suggested to increase the penetration and use of inclusivefinance,optimize the support for innovation and entrepreneurship projects,diversify and strengthen the supply of inclusive finance,optimize the supply side structure offinance,and guard against"financial excess".

关 键 词：普惠金融 经济韧性 产业结构升级 格兰杰因果分析 VEC模型 

分 类 号：F830[经济管理—金融学]