消费信贷对产业结构升级的影响

The Influence of Consumer Credit on the Upgrading of Industrial Structure

在当前国内国际双循环相互促进的新发展格局下,实现经济高质量发展至关重要。作为拉动内需的重要举措,消费信贷的发展对产业结构升级有着重要意义。选取2010—2019年各省数据,利用固定和随机效应方法分析了消费信贷对产业结构升级的影响。研究表明:从全国来看,消费信贷发展能促进产业结构升级;分地区来看,消费信贷对产业结构升级的影响存在差异,消费信贷对产业结构高级化的推动效应在西部最强,中部次之,东部最弱,且消费信贷能够促进西部产业结构的合理化。

Under the current new development pattern in which domesic and international dual cycles promote each other, it is crucial to achieve high-quality economic development. As an important measure to simulate domesic demand, the development of consumer credit is of great significance to the upgrading of the indusrial sructure. Selecting the data of each province from 2010 to 2019, using fixed and random effect methods to analyze the impact of consumer credit on the upgrading of indusrial sructure. The research shows that: from a national perspective, the development of consumer credit can promote the upgrading of indusrial sructure;from the perspective of different regions, the impact of consumer credit on the upgrading of indusrial sructure varies. Firs, the eas is the weakes, and consumer credit can promote the rationalization of the indusrial sructure in the wes.