摘要：Facing different technological innovation mode, there is a significant difference in the industrial structure effect of bank credit, this would have important research significance for technological innovation mode selection in Beijing-Tianjin-Hebei Region. Based on the data of 43 cities in the Beijing-Tianjin-Hebei region for the period of 2009-2016, this paper builds a panel threshold model to analysis the industrial structure effect of bank credit. The result shows that: bank credit has a nonlinear industrial structure effect in the Beijing-Tianjin-Hebei region under the current level of economic development. The impetus for indigenous innovation plays a sustained and significant boosting role in it, and it promote to resources translocation from secondary industry to tertiary industry. However, the technology import is gradually lost, even becomes negative effect. The policy suggestion is: firstly, the Beijing-Tianjin-Hebei region needs to increase introduction of high quality technology, in order to raise the level of technological innovation. Secondly, the Beijing-Tianjin-Hebei region needs to adhere to the development strategy of indigenous innovation, in order to promote the upgrading of the industrial structure.
