李澤宇

Abstract： With the development of digital inclusive finance， the upgrading of industrial structure provides new ideas. Based on the dynamic data of financial index threshold model and digital grace， this paper studies the influence structure of digital grace on the upgrading of financial industry structure. In this process， the universality of digital inclusive finance， the depth of use and the degree of digital financial coverage has a threshold effect.

Keywords： digital inclusion， financial development， industrial structure upgrading

1.The status quo of digital inclusive financial development

Economic development is undoubtedly an important factor in the modernization of industrial structure ， incorporating groups initially excluded from traditional financing into formal financial services ， providing reasonable prices for financial services and providing appropriate demand for all sectors of society . Through "big data" and other technical support， improve the external financial environment for enterprises to provide more convenient， fair and perfect financial services. This paper examines the relationship between the development of digital inclusive finance and the modernization of China's industrial structure， and holds that China's development of digital inclusive finance can continuously broaden the scope of financial services and distribute funds between capital market departments is gradually improving.

2.Mechanism analysis and model building

First， the development of financial technology has greatly enriched the product categories of traditional inclusive finance， provided more financial products for individual financial demanders， and stimulated the financial needs of residents. Financial innovation and diversification of consumer demand can further promote the optimization and upgrading of industrial structure. Secondly， the development of the financial system through the credit expansion mechanism formed by capital increased the accumulation of capital in the industry， thus expanding the size of the industry. In the capital market， the existence of capital-oriented mechanism changes capital flow， thus promoting the optimization of industrial structure.

3. epilogue

To sum up， focus on the coordinated development of regional digital inclusive funds. Based on the empirical results of this paper， China's digital inclusive financial development gap is still large. Therefore， it is necessary to break down the barriers to financial flows， guide the rational flow of funds from developed regions to less developed areas， improve the level of digital inclusive financing for interregional cooperation and development， strengthen interregional financing， promote complementary advantages between regions， establish a benign transfer mechanism between regions， and improve the efficiency of the use of funds.

（北京工商大學(xué)嘉華學(xué)院 北京 101118）