绿色信贷、产业升级与居民收入增长  

Green Credit,Industrial Upgrading,and Resident Income Growth

作　　者：王帅[1] 李阳 WANG Shuai;LI Yang(Shool of International Education,Changchun Finance College,Changchun 130124,China;Business School,Qinghai Institute of Technology,Xining 810016,China)

机构地区：[1]长春金融高等专科学校国际教育学院,吉林长春1300124 [2]青海理工学院商学院,青海西宁810016

出　　处：《长春金融高等专科学校学报》2024年第5期13-25,共13页Journal of Changchun Finance College

摘　　要：随着我国绿色信贷发展规模不断增加,分析绿色信贷影响居民收入的机制路径,也成为亟待解决的难题。为验证绿色信贷、产业升级与居民收入增长三者之间的关系,选取2005—2020年31个省份作为研究样本,借助空间莫兰指数检验和固定效应回归方法进行机制和影响关系验证。经实证研究发现,绿色信贷发展能够显著促进居民收入增长,并且验证了产业结构优化升级能够发挥中介效应,科技创新发展能够发挥调节效应。在后续的异质性分析中,得出绿色信贷发展能够更好地促进农村地区居民收入增长的研究结论,为实现我国居民创收、加快乡村振兴步伐,提供了充实的研究数据。With the increasing development scale of green credit in China,it has become an urgent prob-lem to analyze the mechanism and path of green credit affecting residents'income.In order to verify the re-lationship between green credit,industrial upgrading and residents'income growth,31 provinces from 2005 to 2020 were selected as research samples,and the mechanism and influence relationship were veri-fied with the help of spatial Moran index test and fixed effect regression method.The empirical research found that the development of green credit can significantly promote the growth of residents'income,and verified that the optimization and upgrading of industrial structure can play an intermediary effect,and the development of scientific and technological innovation can play a regulatory effect.In the subsequent het-erogeneity analysis,the research conclusion that the development of green credit can better promote the in-come growth of residents in rural areas,which provides substantial research data for realizing the income generation of Chinese residents and accelerating the pace of rural revitalization.

关 键 词：绿色信贷 居民创收 科技创新 产业升级 

分 类 号：F832.4[经济管理—金融学] F121.3