数字普惠金融、产业结构升级与西藏高质量发展

Digital Inclusive Finance,Industrial Structure Upgrading and High-quality Development in Tibet

金融资源对经济发展具有重要作用,传统金融在此过程中存在不足,普惠金融与数字技术结合形成的数字普惠金融,使资源得到合理利用,促进经济发展。以2011—2020年西藏七个地级市的面板数据作为研究样本,从西藏高质量发展的基本面和社会成果两个方面构建西藏高质量发展评价指标测度体系。用固定效应模型证实数字普惠金融会促进西藏高质量发展,通过中介效应发现,产业结构升级在数字普惠金融推动西藏高质量发展过程中发挥部分中介效应,研究还发现,数字普惠金融与西藏高质量发展之间存在非线性关系,当数字普惠金融发展水平高于门槛值时,其对西藏高质量发展的促进作用更显著。

Financial resources play an important role in economic development,while traditional finance has shortcomings in this process.The digital inclusive finance formed by the combination of inclusive finance and digital technology can make rational use of resources and promote economic development.Taking the panel data of seven prefecture-level cities in Tibet from 2011 to 2020 as research samples,this paper constructs an evaluation index measurement system of high-quality development in Tibet from two aspects:the fundamentals and social achievements of high-quality development in Tibet.The fixed effect model is used to confirm that digital inclusive finance can promote high-quality development in Tibet.Through the mediating effect,it is found that the upgrading of industrial structure plays a part of the mediating effect in the process of digital inclusive finance promoting high-quality development in Tibet.The study also indicates that there is a nonlinear relationship between digital inclusive finance and high-quality development in Tibet.When the development level of digital inclusive finance is higher than the threshold value,its role in promoting the high-quality development in Tibet is more significant.