数字普惠金融对产业结构升级影响效应的统计检验

Statistical Test of the Effect of Digital Inclusive Finance on Industrial Structure Upgrading

文章选取我国31个省份2013—2020年的面板数据,采用固定效应模型等方法实证考察了数字普惠金融对产业结构升级的影响。结果表明:(1)数字普惠金融对产业结构升级有正向促进作用。(2)数字普惠金融会通过提高创新水平和激发创业活力来促进产业结构升级。(3)数字普惠金融对产业结构升级的影响由于地区特征差异和区位差异而存在异质性。具体而言,数字普惠金融对高信任水平和高受教育水平地区的产业结构升级有正向促进作用;相比东部地区,其正向促进作用在中西部地区更加显著。

This paper selects the panel data of 31 provinces in China from 2013 to 2020 to empirically examine the impact of digital inclusive finance on industrial structure upgrading by using fixed-effect models and other methods.The results are as follows:(1)Digital inclusive finance has a positive promoting effect on industrial structure upgrading.(2)Digital inclusive finance promotes industrial structure upgrading by enhancing innovation levels and stimulating entrepreneurial vitality.(3)The impact of digital inclusive finance on the upgrading of industrial structure is also heterogeneous due to regional characteristics and location differences.Specifically,digital inclusive finance has a positive effect on the upgrading of industrial structure in regions with high levels of trust and education.Compared with the eastern region,the positive promoting effect is more significant in the central and western regions.