| Employment is the foundation of people’s livelihood.This series of work arrangement shows the importance of employment to Chinese social harmony and stability.Every year a large number of new jobseekers flood into the labor market,and the market demand for the labor force is limited.Since 2020,the sudden outbreak of the novel coronavirus pneumonia has had a great impact on the production and development of enterprises,leading to a corresponding decline in the demand for labor force,increasing the difficulty of employment for residents,and the current employment situation in China is very severe.However,with the vigorous development of technological finance,digital technology enables all social strata to have the opportunity to enjoy inclusive financial services,and the subsequent digital inclusive finance is bound to have a profound impact on the high-quality development of the economy and the full employment of residents.Digital financial inclusion perfectly combines financial inclusion and digital technology.With the rapid development of big data,a new generation of artificial intelligence has made rapid progress.Driven by the development of various Internet technologies,digital inclusive finance has largely changed the growth path of traditional inclusive finance,and this Internet technology will attract major financial institutions to chase in the future.The emergence of digital financial inclusion has not only provided a large number of inclusive and flexible jobs,but also greatly reduced the restrictions on the working hours and working places of employees,as well as the difficulty and threshold of practicing.At the same time,through the optimal allocation of resources within the industry and the overall improvement of production efficiency,the wage level of employees is effectively raised,which not only enables talents with corresponding professional abilities to realize the effective appreciation of knowledge,but also enables migrant workers and workers to reduce overcapacity to get richer remuneration.Therefore,studying the influence of digital inclusion finance on the skill structure of Chinese labor force is not only the improvement of the employment effect theory of digital inclusion finance,but also provides theoretical reference for the government to formulate relevant policies.This paper reviews relevant literature,summarizes relevant theoretical knowledge,and focuses on the transmission mechanism to conduct an in-depth analysis of the impact of digital inclusion finance on employment skills structure.Subsequently,panel data of 30 provinces and autonomous regions from 2011 to 2020(Tibet Autonomous Region was excluded due to the serious lack of key data)were adopted.The digital inclusive finance index released by Peking University in 2021 and its three sub-dimensions were taken as explanatory variables,and the employment skill structure was taken as explained variables.In this paper,the employment skill structure is divided into three levels: low skill,medium skill and high skill,and a two-way fixed effect model is constructed for empirical test to explore the impact of digital inclusion finance on the employment skill structure.According to the empirical results,it is concluded that the total index of digital financial inclusion and the three sub-dimensions of coverage breadth,use depth and digitization degree can have a positive impact on low-skilled and high-skilled employees,and a negative impact on medium-skilled employees.Secondly,through the construction of the intermediary effect model,it shows that technological innovation plays a significant intermediary role in the process of the influence of digital inclusion finance on the employment skill structure,and then has an impact on low-skilled,medium-skilled and high-skilled employees.Finally,based on the above empirical research results,this paper puts forward corresponding countermeasures and suggestions,and provides new ideas for our application of digital inclusive finance to optimize employment structure. |
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