【摘要】 文章借助面板固定效应模型以及中介效应模型，选取2010—2020年中国30个省份面板数据，系统分析金融创新对经济高质量发展的作用机理，并考察产业结构升级的中介效应。结果表明，金融创新可显著驱动经济高质量发展，这一结论在使用替换变量与引入工具变量法克服内生性影响后依然稳健。进一步研究发现，金融创新对经济高质量发展的驱动效应存在明显区域异质性，促进作用由强至弱依次为东部地区、中部地区、东北地区、西部地区。此外，引入产业结构升级这一中介变量后发现，金融创新水平提升不仅对经济高质量发展有直接促进作用，而且可以通过促进产业结构升级驱动经济高质量发展。对此，需塑造金融创新之锚、发挥区域特色优势、夯实产业跃迁基础，推动国民经济向高质量发展迈进。更多还原

【Abstract】 With the help of panel fixed effect model and intermediary effect model, this paper selects the panel data of 30 provinces from 2010 to 2020, systematically analyzes the mechanism of financial innovation on high-quality economic development, and examines the intermediary effect of industrial structure upgrading. The results show that financial innovation can significantly drive high-quality economic development. This conclusion is still robust after using substitution variables and introducing instrumental variables to overcome the endogenous impact. Further research shows that there is obvious regional heterogeneity in the driving effect of financial innovation on high-quality economic development, and the promoting effect is the eastern region, the central region, the northeast region and the western region from strong to weak. In addition, after introducing the intermediary variable of industrial structure upgrading, it is found that the improvement of financial innovation level can not only directly promote the high-quality economic development, but also drive the high-quality economic development by promoting the upgrading of industrial structure. In this regard, we need to shape the anchor of financial innovation, give full play to the advantages of regional characteristics, consolidate the foundation of industrial transition, and promote the national economy to move forward to high-quality development.更多还原