摘要
运用固定效应模型,选取2011—2018年277个地级城市的面板数据,评估数字普惠金融助推产业结构升级的效果,并进一步运用中介效应模型和门限效应模型检验其中的内在机制。研究结果表明,数字普惠金融能够有效地助推城市产业结构升级,助推作用主要通过数字普惠金融的覆盖广度和使用深度两个途径实现。数字普惠金融不仅能直接影响产业结构,还通过影响科技创新、消费水平及传统金融等因素,间接地促进产业结构升级。数字普惠金融有效提升了东部和中部地区城市产业结构,但未对西部地区城市产业结构产生影响。数字普惠金融影响城市产业结构呈现非线性特征:当数字普惠金融、传统金融和科技研发水平越过门限值后,数字普惠金融对城市产业结构升级的推动力会逐步增强;教育水平越过两个门限值后,数字普惠金融对城市产业结构升级的推动力会呈现先减弱后增强的趋势。
This paper uses a fixed-effect model,selects panel data of 277 prefecture-level cities during 2011-2018 to study the impact of digital inclusive finance on the upgrading of urban industrial structure,and analyzes the internal mechanism of the impact through the mediating effect model and threshold effect model.The findings show that digital inclusive finance has a significant contribution to the upgrading of urban industrial structure,which is mainly achieved through the breadth of coverage and the depth of use of digital inclusive finance.Digital inclusive finance can not only directly influence the industrial structure,but also indirectly promote the upgrading of urban industrial structure by influencing technology innovation,consumption level and traditional finance.Digital inclusive financial has improved the industrial structure of cities in the eastern and central regions,without affecting the industrial structure of cities in the western region.The impact of digital inclusive finance on urban industrial structure is non-linear,and the impact of digital inclusive finance will be gradually strengthened when the level of digital inclusive finance,traditional finance,and science and technology R&D exceed the threshold value,and the positive impact shows a trend of firstly weakening and then strengthening when the education level exceeds two thresholds in the domain.The innovations are as follows.(1)This paper is different from other literature in one or many aspects in research methods,model setting,variable selection and measurement,and heterogeneity testing.(2)This paper verifies the impact of digital inclusive finance on the upgrading of industrial structure at the overall level and analyzing its internal mechanism,and explores the differences in the impact of different dimensions of digital inclusive finance on industrial structure.This paper also conducts a regional heterogeneity test on the effectiveness of digital inclusive finance in promoting industrial structure improvement.The policy implications ar
作者
司增绰
曹露玉
张义
SI Zengchuo;CAO Luyu;ZHANG Yi(Jiangsu Normal University,Xuzhou 221116)
出处
《首都经济贸易大学学报》
CSSCI
北大核心
2024年第2期19-32,共14页
Journal of Capital University of Economics and Business
基金
国家社会科学基金一般项目“发挥产业支撑农村集体经济成长的基础性作用研究”(21BJY178)。
关键词
数字普惠金融
产业结构升级
科技创新
消费水平
传统金融
教育水平
digital inclusive finance
industrial structure upgrading
technical innovation
consumption level
traditional finance
education level