数字金融与科技创新对产业结构升级的影响研究

Research on the Impact of Digital Finance and Technological Innovation on Industrial Structure Upgrading

基于2011—2020年省级面板数据,测算产业升级指数,利用数字普惠金融指数作为数字金融的发展水平指数,并构建空间计量模型、中介效应模型和门槛效应回归模型,实证检验数字金融对我国产业结构升级的影响。研究发现,数字金融对产业结构升级具有正向促进作用,并且这种影响还有着空间溢出效应;数字金融的发展水平使得产业结构升级存在门槛效应;数字金融可以通过科技创新对产业结构转型升级造成间接影响。因此,发展数字金融、数字经济有利于推动我国产业结构的转型升级。

Based on the panel data of provinces in China from 2011 to 2020, calculate the industrial upgrading index, use the digital inclusive financial index as the development level index of digital finance, and build a spatial econometric model,intermediary effect model and threshold effect regression model to empirically test the impact of digital finance on the upgrading of China’s industrial structure. The research finds that digital finance has a positive role in promoting industrial upgrading, and this impact also has a spatial spillover effect;the development level of digital finance makes the industrial structure design have "threshold effect";digital finance can indirectly affect the transformation and upgrading of industrial structure through scientific and technological innovation. Therefore, the development of digital finance and the construction of digital economy are conducive to the transformation and upgrading of China’s industrial structure.