数字普惠金融对民族地区产业结构升级的影响

The Influence of Digital Inclusive Finance on the Upgrading of Industrial Structure in Ethnic Areas

产业结构升级是民族地区经济持续增长的动力,如何有效推进产业结构的优化升级,实现第一、第二和第三产业健康协调发展,是当前民族地区面临的现实问题。研究基于2011-2020年我国民族八省区53个地级市的面板数据,采用固定效应模型和中介效应模型实证分析了数字普惠金融对民族地区产业结构升级的影响。研究发现:数字普惠金融能够显著促进民族地区产业结构升级;数字普惠金融的三个子维度,覆盖广度、使用深度及数字化程度也能够显著促进民族地区产业结构升级;通过进一步研究发现数字普惠金融通过提高居民消费需求进而影响民族地区产业结构升级。

The upgrading of industrial structure is a strong driving force for the sustained economic growth in ethnic areas.How to promote the optimization and upgrading of industrial structure more effectively and realize the healthy and coordinated development of the primary,secondary and tertiary industries is a practical problem facing ethnic areas at present.Based on the panel data of 53 prefecture-level cities in China from 2011 to 2020,this paper empirically analyzes the influence of digital inclusive finance on the upgrading of industrial structure in ethnic areas by using fixed effect model and mediation effect model.It is found that digital inclusive finance can significantly promote the upgrading of industrial structure in ethnic areas;the three sub-dimensions of digital inclusive finance—the breadth of coverage,the depth of use and the degree of digitalization can also significantly promote the upgrading of industrial structure in ethnic areas;through further research,it is found that digital inclusive finance affects the upgrading of industrial structure in ethnic areas by increasing residents’consumption needs.