金融资源视角下数字金融对产业结构升级的影响研究
Research on the Impact of Digital Finance on Industrial Structure Upgrading from the Perspective of Financial Resources
熊佳民 1孙雪芬 2谢阳宁1
作者信息
- 1. 中共浙江省委党校,浙江 杭州 311121
- 2. 中共浙江省委党校,浙江 杭州 311121;中共衢州市委党校,浙江衢州 324014
- 折叠
摘要
本文基于地级市层面的北京大学数字普惠金融指数与宏观经济数据,分别运用固定效应模型、门槛模型和"U"型关系检验,分析金融资源视角下数字金融对产业结构的影响.研究表明,数字金融能够促进产业结构升级,且该影响是非线性的.机制检验发现,信贷资源和金融人力资本是显著的调节变量,能够解释数字金融对产业结构的非线性影响.异质性研究表明,在西部地区和经济发展水平较低的地区数字金融对产业结构升级效应更强,体现了数字金融的普惠性.
Abstract
Based on the Peking University Digital Financial Inclusion Index and macroeconomic data at the prefecture-level city level,this article uses fixed effects model,threshold model,and U-shaped relationship test respectively to analyze the impact of digital finance on industrial structure from the perspective of financial resources.Research shows that digital finance can promote the upgrading of industrial structure,and the impact is non-linear.The mechanism test found that credit resources and financial human capital are significant moderating variables that can explain the nonlinear impact of digital finance on industrial structure.Heterogeneity research shows that digital finance has a stronger effect on industrial structure upgrading in the western region and areas with lower levels of economic development,reflecting the inclusive nature of digital finance.
关键词
数字金融/产业结构升级/非线性影响/机制研究Key words
Digital Finance/Industrial Structure Upgrade/Nonlinear Impact/Mechanism Research引用本文复制引用
出版年
2024
NETL
NSTL
万方数据