| Today,my country’s economic and social development has entered a new normal mode,transitioning from a high-speed development stage to a high-quality development stage,and the economic system has become increasingly perfect.However,there are still some problems in the process of transformation and development.Among them,the problem of industrial structure is a more prominent problem faced by my country’s construction of a modern economic system.Combining digital information technology,digital inclusive finance can comprehensively improve the financial service structure,effectively alleviate the exclusion of traditional financial services,promote the development of emerging industries,and bring new impetus to the upgrading of the industrial structure.Therefore,studying the relationship between digital financial inclusion and industrial structure is of great significance for promoting supply-side reform,optimizing industrial structure,and accelerating the construction of a modernized economic system.This paper firstly sorts out the relevant literature on digital financial inclusion and industrial structure,studies the relevant theories of the two,and on this basis,analyzes the impact mechanism of digital financial inclusion development on the upgrading of industrial structure.Then,using the Peking University Digital Financial Inclusion Index and panel data of 31 provinces,autonomous regions and municipalities across the country(except Hong Kong,Macao and Taiwan),the spatial Dubin model is used to analyze the upgrading of my country’s digital financial inclusion development on the industrial structure.Empirical research on the influence of the two not only studies the influence relationship between the two,but also analyzes the spatial effect of its existence.Then,the three-dimensional development level of digital financial inclusion and its impact on the upgrading of industrial structure are discussed.Finally,the mediation effect model is used to empirically test the impact mechanism of my country’s digital financial inclusion development on the upgrading of industrial structure.Through the research,it is found that: China’s digital inclusive finance and its three dimensions of development play an important role in promoting the upgrading of industrial structure;the upgrading of industrial structure between provinces and cities has a positive spatial spillover effect;the development of digital inclusive finance can not only directly Promoting the upgrading of the industrial structure can also promote the upgrading of the industrial structure by stimulating consumer demand,promoting technological innovation and improving capital accumulation.Based on the above conclusions,the following relevant suggestions are put forward: strengthen the construction of digital inclusive finance infrastructure,improve the digital inclusive financial system,and narrow the differences in the level of digital inclusive finance development and industrial structure upgrading between provinces and cities;attach importance to digital inclusive finance and The development of its three dimensions promotes the upgrading of the industrial structure;effectively exerts the intermediary mechanism of the development of digital inclusive finance to the upgrading of the industrial structure. |
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