数字普惠金融对区域产业结构升级的空间溢出效应研究

摘要数字普惠金融通过缓解金融排斥效应提升资源的配置效率,对产业结构升级带来更为深远的影响。基于北京大学数字普惠金融指数,应用空间杜宾模型探讨了数字普惠金融影响区域产业结构升级的效应与机制。结果显示:在影响效应方面,区域内数字普惠金融发展对产业结构升级的影响存在U形的非线性关系,即只有当数字普惠金融大于临界值以后才会对本地区产业结构的升级产生正向影响。周边地区数字普惠金融的发展对本区域产业结构升级的影响存在倒U形的非线性关系,表明当周边地区数字普惠金融大于临界值以后会对本地区产业结构的升级产生负向的空间溢出效应,经过一系列稳健性检验并消除内生性问题后,该结论依然成立。在影响机制方面,数字普惠金融通过资源配置效应、需求效应和技术进步效应促进区域产业结构升级。基于研究结论,提出了发挥数字普惠金融对产业结构升级的促进作用和增强数字普惠金融的区域辐射作用的政策建议。

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	郭守亭
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关键词：数字普惠金融产业结构空间溢出效应资源配置需求效应

Abstract： Digital inclusive finance improves the efficiency of resource allocation by alleviating the effect of financial exclusion, which will have a more far-reaching impact on the upgrading of industrial structure.Based on the “Peking University Digital Financial Inclusion Index”, this paper applies the Spatial Dobbin Model to explore the effect and mechanism of digital financial inclusion on the upgrading of regional industrial structure. The empirical results show that there is a U-shaped non-linear relationship between between the development of digital inclusive finance and the upgrading of industrial structure in the region, that is, only when the digital financial inclusion is greater than the critical point will it have a positive impact on the upgrading of regional industrial structure.There is an inverted U-shaped non-linear relationship between the development of digital inclusive finance in surrounding areas and the upgrading of industrial structure in this region, which shows that when the digital inclusive finance in surrounding areas is greater than the critical value, it will have a negative spatial spillover effect on the upgrading of industrial structure in this region. After a series of robustness tests and the elimination of endogenous problems, the conclusion is still valid.Mechanism analysis indicates that the digital financial inclusion promotes the upgrading of regional industrial structure by improving the effect of resource allocation, demand effects and technological innovation effects.Based on the above conclusions, this paper puts forward policy suggestions to give full play to the role of Digital Financial Inclusion in promoting the upgrading of industrial structure and to enhance the regional influence of Digital Financial Inclusion.

Keywords： Digital Financial Inclusion Industrial Structure Spatial Spillover Effects Resource Allocation Demand Effect

收稿日期 2021-12-19; 接受日期 ;

作者简介: 郭守亭(1963— ),男,河南新野人,教授,博士生导师,主要从事产业经济与流通经济研究;金志博(1983— ),男,河南郑州人,博士研究生,主要从事产业经济与流通经济研究。

引用本文:

郭守亭, 金志博.数字普惠金融对区域产业结构升级的空间溢出效应研究[J]. 经济经纬, 2022,6: 77-87

GUO Shouting, JIN Zhibo.A Study of the Spatial Spillover Effect of Digital Inclusive Finance on the Optimization of Regional Industrial Structure[J] Economic Survey, 2022,V39(6): 77-87

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2022/V39/I6/77

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