数字普惠金融与产业结构升级:理论逻辑与经验证据  

Digital Inclusive Finance and Industrial Structure Upgrading: Theoretical Logic and Empirical Evidence

作　　者：代玉簪 王俊龙 吴文金 DAI Yu-zan;WANG Jun-long;WU Wen-jin(School of Economics and Management,Hefei University,Hefei Anhui 230069,China)

机构地区：[1]合肥大学经济与管理学院,安徽合肥230000

出　　处：《铜陵学院学报》2025年第1期22-28,共7页Journal of Tongling University

基　　金：合肥大学人才科研基金项目“数字金融促进经济高质量发展的路径优化研究”(20RC63)。

摘　　要：数字普惠金融能有效提升金融资源的配置效率,是推动产业结构升级的新动能和助力实体经济高质量发展的重要支撑。文章选取我国2011—2020年的省级面板数据,实证分析了数字普惠金融对产业结构升级的影响及其影响机制。研究结果表明,数字普惠金融对产业结构合理化和高级化存在显著的正向影响,还能通过扩大创新创业和非农就业规模间接促进产业结构升级;其中产业结构合理化存在双重门槛,而产业结构高级化存在单一门槛;此外,其促进作用在不同地区存在明显的差异性,尤其是中部地区的影响更为显著。Digital inclusive finance can effectively improve the allocation efficiency of financial resources,which is a new driving force to promote the upgrading of industrial structure and an important support for the high-quality development of the real economy.The article empirically analyzes the impact of digital inclusive finance on industrial structure upgrading and its influence mechanism by selecting the provincial panel data of China from 2011 to 2020.The results of the study show that digital inclusive finance has a significant positive impact on the rationalization and advancement of industrial structure,and also indirectly promotes the upgrading of industrial structure by expanding the scale of innovation and entrepreneurship and non-agricultural employment;among them,there exists a double threshold for the rationalization of industrial structure,while there exists a single threshold for the advancement of industrial structure;moreover,there is a clear difference in its promotional effect in different regions,especially in the central region where the impact is more significant.In addition,there are obvious differences in its promotion effect in different regions,especially the central region has more significant influence.

关 键 词：数字普惠金融 非农就业 创新创业 产业结构升级 

分 类 号：F062.9[经济管理—政治经济学]