School of Economics, Beijing Technology and Business University, Beijing, China.
School of Finance, Harbin University of Commerce, Harbin, Heilongjiang, China.
PLoS One. 2022 Aug 29;17(8):e0273680. doi: 10.1371/journal.pone.0273680. eCollection 2022.
Industrial transformation (IT) is the inevitable course for the sustainable development of resource-based cities, while digital inclusive finance (DIF) provides essential capital elements for industrial transformation. Based on the panel data of 115 resource-based cities in China from 2011 to 2019, this paper discusses the influence mechanism of digital inclusive finance on industrial transformation from the perspectives of the optimization of industrial structure (OIS) and the rationalization of industrial structure (RIS). The empirical results show that digital inclusive finance has a positive effect on both the optimization of industrial structure and the rationalization of industrial structure. Digital inclusive finance influences industrial transformation through residents' income and technological innovation. In addition, in the analysis of income gap and innovation gap, low-income regions have a better effect on the industrial transformation of industrial structure optimization, while high-income regions have a better effect in manufacturing upgrading, thus resulting in a more significant effect of industrial transformation on the rationalization of industrial structure. Obviously, the development of high-innovation regions has relative advantages with more channels for industrial transformation, which have significant effect of industrial transformation. Therefore, it is necessary to provide differentiated reform on the basis of unified development reform.
产业转型（IT）是资源型城市可持续发展的必然路径，而数字包容性金融（DIF）为产业转型提供了必要的资本要素。本文基于 2011 年至 2019 年中国 115 个资源型城市的面板数据，从产业结构优化（OIS）和产业结构合理化（RIS）两个角度探讨了数字包容性金融对产业转型的影响机制。实证结果表明，数字包容性金融对产业结构优化和合理化都有积极的影响。数字包容性金融通过居民收入和技术创新影响产业转型。此外，在收入差距和创新差距的分析中，低收入地区对产业结构优化的产业转型有更好的效果，而高收入地区在制造业升级方面有更好的效果，从而导致产业转型对产业结构合理化的效果更为显著。显然，高创新地区的发展具有相对优势，产业转型的渠道更多，具有显著的产业转型效果。因此，有必要在统一发展改革的基础上提供差异化改革。
