| 摘要: |
| 当前数字普惠金融迅速发展，产业结构失衡成为阻碍经济高质量发展的重要原因。新常态阶段，通过创新驱动的产业结构优化升级是促进经济高质量发展的关键。〖JP2〗本文探究数字普惠金融发展通过促进技术创新而拉动产业结构升级的路径机制。基于中介效应模型，选取2011－2020年省级面板数据，对传导路径机制进行实证分析。得到以下结论：一是数字普惠金融的发展将通过促进技术创新而对产业结构升级具有一定的拉动作用，二是数字普惠金融的发展对不同区域的产业结构升级拉动作用具有一定的异质性。因此，我国应继续加强数字普惠金融的发展，并且不同区域要因地制宜，以缩小区域差距。 |
| 关键词: 关键词：数字普惠金融；技术创新；产业结构升级；中介效应 |
| DOI： |
| 分类号:F832.0 |
| 基金项目:基金项目：重庆市社会科学规划项目“网络视角下系统性金融风险传染及防控研究”（2020PY47）；重庆市人文社会科学重点研究基地重点项目“基于数据挖掘的农产品市场风险预测与调控研究”（18SKB020）；重庆两江金融基金课题“重庆县域经济发展研究”（22LJCQ02）；重庆两江金融基金课题“金融机构气候环境境风险情景分析与压力测试分析”（22LJND02）；西南大学中央高校基本科研项目“网络视角的我国系统性金融风险传染研究”（SWU2009409）。 |
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| Digital Inclusive Financial Development，Technological Innovation and Industrial Structure Upgrading |
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LIANG Yi-juan1，2，LIU Zhuo31,2,3
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1.（1.Center for Inclusive Finance and Agricultural and Rural Development，Southwest University;2.2.School of Economics and Management, Southwest University;3.Business College of Southwest University）
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| Abstract: |
| At present，digital inclusive finance is developing rapidly，and the industrial structure does not match the current economic situation or becomes an important reason for hindering high-quality economic development.In the new normal stage，the optimization and upgrading of industrial structure driven by innovation is the key to promoting high-quality economic development.This paper attempts to explore the path mechanism of digital inclusive finance development to promote the upgrading of industrial structure by promoting technological innovation.Through the intermediary effect model，select provincial panel data from 2011 to 2020 to conduct empirical analysis on the transmission path mechanism.The following conclusions and policy recommendations are obtained：first，the development of digital inclusive finance will play a certain role in promoting the upgrading of industrial structure by promoting technological innovation；second，the development of digital inclusive finance has a certain heterogeneity in promoting the upgrading of industrial structure in different regions.Therefore，China should continue to strengthen the development of digital inclusive finance，and different regions should adapt to local conditions to narrow the regional gap. |
| Key words: Key words：Digital Inclusive Finance；Technological Innovation；Industrial Structure Upgrading；Mediating Effects |
