金融学院知识库

2020年，我国经过接续奋斗，脱贫攻坚战取得重大成效，全面消除绝对贫困，然而相对贫困问题将持续存在甚至在某种可能下转换为绝对贫困，减贫仍然是实现共同富裕的重要突破点。中国式减贫实践已充分证明金融发展与产业结构作为重要“输血”和“造血”的扶贫方式，具有显著的减贫效果，但已有调研指出甘肃省金融扶贫面临风险较多，如方式单一、贫困地区缺乏长期稳定的特色产业，具有扶贫局限性；产业结构升级虽能够提高扶贫效率，却需要金融作为支撑，二者需要不断耦合协调发展，增强适应性，才能达到脱贫而不返贫，因此研究金融发展与产业结构升级耦合协调对于减贫具有重要意义。甘肃省作为我国西北内陆经济欠发达地区，金融与产业发展薄弱，贫困的减缓影响共同富裕目标以及中国式现代化的实现，因此以甘肃省为例探究其地级州市金融与产业耦合发展情况、研究金融发展与产业结构升级耦合协调的减贫效应具有实践意义。

本文首先基于金融发展和产业结构升级的相关文献研究，理清金融发展与产业结构升级的理论基础，界定二者的概念；其次，阐述了金融发展对于减贫的理论基础、产业结构升级提高扶贫效率，并基于耦合协调理论进一步解释金融发展、产业结构升级作为子系统耦合协调的互动机理、二者与减贫的逻辑关系，作为本文的理论研究。本文的实证研究分为两部分：第一，基于以往学者的误差，采用修正的耦合协调度模型，计算本文的核心解释变量-金融发展与产业结构升级的耦合协调度，以明确二者在甘肃省的发展适应性，其中包括熵权法、耦合度、协调度以及耦合协调度计算，构建甘肃省14个州市2007年至2021年金融发展与产业结构升级耦合指标体系，计算两系统耦合协调度，分区域探讨各市州耦合协调发展的差异特征；第二，运用面板数据进一步构建模型研究二者耦合协调的减贫效应；最后根据研究结果提出相关政策建议，希望对甘肃省后续减贫事业做出理论贡献。

本文研究结论如下：第一，样本时间跨度下，甘肃省地级市金融发展与产业结构升级耦合协调度年度间有所波动，但整体上随着经济发展具有较大改善，即由失调阶段正在向协调发展阶段过渡转变；第二，根据15年跨度的耦合协调均值来看，甘肃省地级州市金融发展与产业结构升级耦合协调度存在区域差异性；第三，根据回归结果，甘肃省地级市金融发展和产业结构升级耦合协调对于减贫具有显著的正向促进作用且通过稳健性检验；第四，通过两种方法分组回归发现，二者耦合协调的减贫效应存在区域异质性。从以上研究结果来看，甘肃省后续应加快促进金融发展与产业结构升级的协调适应性，推动经济发展速度，同时注重金融与产业在扶贫工作中的作用。

In 2020, our country has made significant progress in the battle against poverty and completely eliminated absolute poverty. However, relative poverty will continue to exist and may even be transformed into absolute poverty at some point. Poverty reduction remains an important breakthrough point for achieving common prosperity. The practice of poverty reduction in Chinese style has fully proved that financial development and industrial structure, as important "blood transfusion" and "hematopoietic" poverty alleviation methods, have significant poverty reduction effects. However, some researches have pointed out that Gansu Province faces many risks in financial poverty alleviation, such as a single way, the lack of long-term stable characteristic industries in poor areas, and the limitation of poverty alleviation. Although the upgrading of industrial structure can improve the efficiency of poverty alleviation, it needs the support of finance. The two need continuous coupling and coordinated development and enhanced adaptability to achieve poverty alleviation rather than return to poverty. Therefore, the study on the coupling and coordination of financial development and industrial structure upgrading is of great significance for poverty reduction. As an underdeveloped inland economy in northwest China, Gansu Province has weak financial and industrial development, and poverty alleviation affects the goal of common prosperity and the realization of Chinese-style modernization. Therefore, taking Gansu Province as an example, it is of practical significance to explore the coupling development of finance and industry in its prefecture and city, and study the poverty-reduction effect of coupling and coordination between financial development and industrial structure upgrading.

Firstly, based on the literature research of financial development and industrial structure upgrading, this paper clarifies the theoretical basis of financial development and industrial structure upgrading, and defines the concepts of the two. Secondly, it expounds the theoretical basis of financial development for poverty reduction and industrial structure upgrading to improve poverty alleviation efficiency. Based on the coupling and coordination theory, it further explains the interaction mechanism of financial development and industrial structure upgrading as subsystem coupling and coordination, and the logical relationship between them and poverty reduction, as the theoretical research of this paper. The empirical research in this paper is divided into two parts: First, based on the errors of previous scholars, the revised coupling coordination degree model is adopted to calculate the coupling coordination degree of financial development and industrial structure upgrading, the core explanatory variable of this paper, so as to clarify the development adaptability of the two in Gansu Province, including entropy weight method, coupling degree, coordination degree and coupling coordination degree calculation. The coupling index system of financial development and industrial structure upgrading in 14 cities of Gansu Province from 2007 to 2021 was established, the coupling coordination degree of the two systems was calculated, and the difference characteristics of the coupling and coordination development of each city and state were discussed by region. Second, the panel data is used to further build a model to study the poverty reduction effect of the two coupling and coordination. Finally, according to the research results, relevant policy suggestions are put forward, hoping to make theoretical contributions to the subsequent poverty reduction cause in Gansu Province.

The conclusions of this paper are as follows: First, over the sample time span, the coupling coordination degree between financial development and industrial structure upgrading of prefecture-level cities in Gansu Province fluctuates from year to year, but on the whole, it has a great improvement with economic development, that is, it is transitioning from the dysfunctional stage to the coordinated development stage; Secondly, according to the average value of coupling coordination in the span of 15 years, there are regional differences in the coupling coordination degree between financial development and industrial structure upgrading in prefecture-level cities of Gansu Province; Thirdly, according to the regression results, the coupling coordination of financial development and industrial structure upgrading in prefecture-level cities in Gansu Province has a significant positive promoting effect on poverty reduction and passes the robustness test; Fourthly, by grouping regression of the two methods, it is found that the poverty reduction effect of the two coupling coordination has regional heterogeneity. From the above research results, Gansu Province should accelerate the coordination and adaptability of financial development and industrial structure upgrading, promote the speed of economic development, and pay attention to the role of finance and industry in poverty alleviation.