产业结构的优化升级离不开资源的整合和集聚,随着金融机构的壮大和金融创新的不断深化,金融集聚现象日益明显,并且自身作为第三产业的组成部分,其效应会直接或间接影响产业结构升级的速度和质量.本文在分析山东省金融集聚与产业结构关系的基础上,对山东省各市2003-2015年金融集聚和产业结构的面板数据进行实证分析,分析发现:存款区位熵对产业结构升级具有负面作用,贷款区位熵和保险区位熵对产业结构升级具有正面作用.通过分析和总结,提出山东省金融集聚与产业结构升级的政策建议:应树立产业金融理念、改造传统产业结构、加强金融集聚区建设和制定合理的金融政策和产业发展政策.%The optimization and upgrading of industrial structure can hardly be realized without the integration and concentration of all kinds of resources.With the development of financial institutions and the deepening of financial innovation, the agglomeration of finance has become more and more obvious.As a part of the tertiary industry, the finance agglomeration will directly or indirectly affect the speed and quality of industrial structure upgrading.Based on the analysis of the relationship between finance agglomeration and industrial structure, this article carries out an empirical study on the panel data of financial agglomeration and industrial structure of Shandong province from 2003 to 2015.The results show that the deposit location quotient has a negative effect on industrial upgrading;on the contrary, the loan location quotient and insurance location quotient have a positive effect on industrial upgrading.Through the above analysis and conclusions, the authors put forward the following suggestions: establishing industrial financial concept;reforming traditional industrial structure;enhancing the construction of financial agglomeration areas and making appropriate financial and industrial policies.
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