Research on the Impact of Digital Inclusive Finance on the Optimization and Upgrading of Industrial Structure——Based on different business system perspectives
At present,the development of digital inclusive finance has become an important factor in promoting the opti-mization and upgrading of industrial structure,and it plays an increasingly important role in economic development.This article studies the impact and mechanism of digital inclusive finance on industrial structure optimization and upgrading based on panel data from 31 provinces and cities in China from 2011 to 2022.The research finds that:The digital inclusive finance has a pro-moting effect on the rationalization and advancement of industrial structure;Among them,the digital payment services promote the upgrading of industrial structure by promoting residents'consumption upgrading;The digital credit business promotes the upgrading of industrial structure by improving the efficiency of regional capital flow between departments;The digital insurance business optimizes the allocation of labor factors between industries and promotes the industrial structure rationalization by pro-viding risk protection for residents between the middle and lower income levels.From the perspective of regional differences,compared with the central and western regions,the development of digital inclusive finance has a more significant impact on the eastern region.This article believes that we should fully leverage the positive role of digital inclusive finance in the opti-mization and upgrading of China's industrial structure,strengthen the coordination and unity between effective markets and promising governments,and focus on improving the level of digital inclusive finance in the central and western regions,in order to maximize the promotion of industrial structure optimization and upgrading.
digital inclusive financeindustrial structure rationalizationindustrial structure advancementconsumption upgrading
NETL
NSTL
万方数据
