Research On The Development Of Inclusive Finance And The Optimization Of Industrial Structure In China

The development of inclusive finance plays a very important role in impr oving the level of economic development of a country or region,reducing the i ncome gap between urban and rural areas,and alleviating poverty.Inclusive finan ce can guide industry selection in financial market,adjust resource allocation,pro mote technological innovation,and then promote the optimization of industrial st ructure.Therefore,under the current economic and policy background,it is of gre at value and significance to study the relationship between Inclusive Finance a nd industrial structure optimization.Firstly,this paper introduces the relevant theoretical basis and related resear ch literature of Inclusive Finance Development and industrial structure optimiza tion,and on this basis,it analyses the development process,current situation,main achievements and main problems of Inclusive Finance development.By construc ting the evaluation index system of inclusive financial development,this paperm easures and compares the inclusive financial development level of China's pr ovinces from 2006 to 2017.The results show that most of the provinces' inclusi ve financial development is still at a low level of development,but there is an increasing trend year by year.There are occasional slight decreases in some pro vinces,but the overall trend is still rising.The development level of InclusiveFin ance in the eastern region is obviously higher than that in the central and Wes tern regions.The development level of Inclusive Finance in some provinces in t he western region is higher than that in some central provinces.There exists th e phenomenon of "central collapse".The analysis of the present industrial struct ure situation and the optimization level of industrial structure in each province shows that the characteristics of industrial structure change in 2006-2017 basic ally conform to the general law of industrial structure change.The development trend of tertiary industry has gradually changed from two-three-oneto three-two-one,and the overall industrial structure has become more advanced.The level of industrial structure upgrading and rationalization in most provinces is increasi ng year by year,and showing a trend of high in the East and low in the west.The regression results of the relationship between inclusive financial developme nt and industrial structure optimization show that there is a positive correlation between inclusive financial development level and industrial structure upgrading,and an inverted U-shaped relationship between inclusive financial development level and industrial structure rationalization.That is to say,the higher the level o f development of Inclusive Finance in each province,themore obvious the role it plays in promoting the upgrading of regional industrial structure,while the ra tionalization of industrial structure is first promoted and then inhibited.Combining with the above research conclusions,from the perspectives of i mproving regional inclusive financial development policies,strengthening inclusiv e financial services to the real economy,and increasing financial support to sma ll and medium-sized technology-based enterprises and high-tech industries,the p aper puts forward the Countermeasures of promoting inclusive financial develo pment rationally,making full use of the predictive role of inclusive financial de velopment index,and promoting industrial structure optimization and regional co ordinated development.