金融包容性发展为结构升级带来新动力了吗?——基于金融新业态和地区比较分析

Does Financial Inclusive Development Bring New Impetus To Structural Upgrading?——Comparative analysis based on new financial formats and regions

互联网金融与小额信贷等金融新业态发展良好,这是否增强了金融包容性,又是否更好地支持了产业结构升级?利用中国2011-2015年的省市面板数据实证研究表明:(1)整体来看,包容性金融发展对产业结构升级具有促进作用;(2)银行业金融包容性发展和互联网金融包容性发展对产业结构升级均具有促进作用;(3)分地区来看,银行业金融包容性发展和互联网金融包容性发展对东部地区产业结构升级的促进作用均大于对中西部地区的。

Now that the new financial formats such as Internet Finance and microfinance have developed well,does this enhance financial inclusiveness and better support the upgrading of industrial structure?Using the provincial panel data in China from 2011 to 2015,The empirical research in this paper shows that:(1)on the whole,inclusive financial development has a catalytic effect on the upgrading of industrial structure;(2)the financial inclusive development of banking industry and the inclusive development of Internet finance both promote the upgrading of industrial structure:(3)in the sub-region,The financial inclusive development of banking industry and the inclusive development of Internet finance both contribute more to the upgrading of industrial structure in the eastern region than to the central and western regions.