数字普惠金融对农村居民消费与产业结构升级的影响研究

Research on the Impact of Digital Inclusive Finance on Rural Residents’ Consumption and Industrial Structure Upgrading

数字普惠金融是推动产业结构转型升级的重要因素,传统金融业对小微企业存在明显的金融歧视现象,不能有效促进产业结构转型升级。本文以2014-2020年间全国31个省区市的数据为样本,通过构建基准回归模型、门槛效应模型和中介效应模型,就数字普惠金融对产业结构升级的影响及其传导机制进行实证研究。结果显示:第一,数字普惠金融水平的发展可以显著促进地区产业结构升级,在经过内生性检验后该结果依然可信;第二,数字普惠金融通过农村居民消费升级促进产业结构升级。因此,建议促进金融业数字化转型,推进农村地区数字普惠金融发展。

Digital inclusive finance is an important factor in promoting the transformation and upgrading of the industrial structure.The traditional financial industry has obvious financial discrimination against small and micro enterprises,which cannot effectively promote the transformation and upgrading of China’s industrial structure.Taking the data of 31 provinces and cities in China from 2014 to 2020 as samples,this paper conducts an empirical study on the impact of digital inclusive finance on industrial structure upgrading and its transmission mechanism by building benchmark regression model,threshold effect model and intermediary effect model.The results show that:first,the development of digital inclusive finance can significantly promote the upgrading of regional industrial structure,which is still credible after the endogenous test,but with the improvement of digital inclusive finance,its role in promoting the upgrading of industrial structure is weakening;Second,digital inclusive finance plays an intermediary role in promoting the upgrading of industrial structure through the upgrading of rural residents’consumption.Therefore,we should promote the digital transformation of the financial industry and promote the development of digital inclusive finance in rural areas.