摘要
数字普惠金融发展对产业结构升级具有重要积极意义。在对数字普惠金融发展与产业结构升级之间的关系进行理论分析的基础上,基于283个地级以上城市2011-2015年的面板数据,采用面板门槛模型等回归方法,实证分析数字普惠金融发展及其各维度发展与产业结构升级之间的关系。结果表明:数字普惠金融发展与产业结构升级之间存在非线性关系;数字普惠金融发展存在瓶颈,具有门槛效应;数字普惠金融覆盖广度对产业结构升级具有长期且显著的促进作用,数字普惠金融的使用深度和数字化程度与产业结构升级之间存在非线性关系;不同区域的数字普惠金融发展对产业结构升级的非线性效应具有异质性,对产业结构升级的正效应从东部到中西部逐级增强。因而政府部门和金融机构应加大建设数字金融基础设施的力度,尤其要重视增加落后地区的普惠金融服务供给和提升其数字化程度,同时,也要防止数字普惠金融的过度发展为产业结构升级带来负的外部效应。
It is of positive significance in the development of digital inclusive finance for the upgrading of industrial structure. This paper theoretically analyzes the nonlinear relationship between the development of digital inclusive finance and industrial structure upgrading. Based on the panel data of 283 cities from 2011 to 2015, the panel threshold model and other regression methods are used to comprehensively and empirically analyze the relationship between the development of digital inclusive finance and industrial structure upgrading. The results show that there is a non-linear relationship between the development of digital inclusive finance and industrial structure upgrading;there is a bottleneck in the development of digital inclusive finance, featured with a threshold effect;the coverage breadth of digital inclusive finance has a long-term and significant positive effect on industrial structure upgrading;there is a nonlinear relationship between the depth and digitization level of digital inclusive finance and industrial structure upgrading;the non-linear effects of digital inclusive financial development on the industrial structure upgrading in different regions are heterogeneous, the positive effect becoming bigger from the east to the west. This finding provides an empirical support for the government and financial institutions to strengthen the construction of digital financial infrastructure, especially pay attention to upgrading digitization through increasing the supply of inclusive financial services in less developed areas, and prevent the excessive development of digital inclusive finance from bringing negative external effects to the upgrading of industrial structure.
作者
唐文进
李爽
陶云清
TANG Wen-jin;LI Shuang;TAO Yun-qing(School of Finance,Zhongnan University of Economics and Law,Wuhan 430073,China)
出处
《广东财经大学学报》
CSSCI
北大核心
2019年第6期35-49,共15页
Journal of Guangdong University of Finance & Economics
基金
国家社会科学基金重大项目(16ZDA034)
关键词
数字化
普惠金融
数字普惠金融
产业结构
产业结构升级
金融发展
非线性效应
digitization
inclusive finance
digital inclusive finance
industrial structure
industrial structure upgrading
financial development
nonlinear effect
作者简介
唐文进(1968-),男,湖南株洲人,中南财经政法大学金融学院教授,博士生导师;李爽(1992-),男,湖北荆州人,中南财经政法大学金融学院博士研究生;陶云清(1994-),男,湖北黄冈人,中南财经政法大学金融学院博士研究生。
