数字普惠金融影响产业结构升级的机制分析

Mechanism Analysis of Digital Inclusive Finance Influencing Industrial Structure Upgrading

数字普惠金融有效提升了金融资源的配置效率,正在成为推动产业结构升级的新动能。运用归纳演绎法,对数字普惠金融影响产业结构升级的机制进行系统性分析,旨在说明主要通过三种路径:一是通过改善资本和劳动力配置效率,优化要素资源的投入效率和配置结构,从而影响产业结构升级;二是通过缓解流动性约束、提供保险支持和支付便利性等方式拉动消费需求,进一步引导生产和消费升级,从而影响产业机构升级;三是通过为创新提供资金支持、高质量的人力资本和激发创新主体活力等,从而改变生产方式、需求结构和提高劳动生产率,进一步影响产业结构升级。

Digital inclusive finance has effectively improved the allocation efficiency of financial resources and is becoming a new driving force to promote the upgrading of industrial structure.This paper uses inductive and deductive method to systematically analyze the mechanism of digital inclusive finance affecting the upgrading of industrial structure,aiming to explain that there are mainly three ways:first,improving the allocation efficiency of capital and labor,optimizing the input efficiency and allocation structure of factor resources,thus affecting the upgrading of industrial structure;Second,stimulate consumer demand by easing liquidity constraints,providing insurance support and payment convenience,and further guide the upgrading of production and consumption,thus affecting the upgrading of industrial institutions;Third,by providing financial support for innovation,high-quality human capital and stimulating the vitality of innovation subjects,we can change the mode of production,demand structure and improve labor productivity,thus further affecting the upgrading of industrial structure.