数字普惠金融对农业发展的影响研究

Research on the Impact of Digital Inclusive Finance on Agricultural Development

在全面推进农业现代化的进程中,数字普惠金融作为新型金融平台对农业发展有着深远的影响。基于2016-2020年中国省际面板数据,实证检验数字普惠金融对农业发展的影响,结果表明:数字普惠金融的发展能够显著促进农业发展,其三个维度覆盖广度、使用深度以及数字化程度的发展对农业发展也都能起到积极的促进作用;分区域来看,数字普惠金融的发展对东部农业发展具有显著的促进作用,但对中西部农业发展不具有显著的促进作用。本研究对优化数字普惠金融,促进农业良好发展,具有重要意义。

In the process of comprehensively promoting agricultural modernization, as a new financial platform, digital inclusive finance has a profound impact on agricultural development. Based on China’s inter-provincial panel data from 2016 to 2020, the paper empirically tested the impact of digital inclusive finance on agricultural development. The results show that the development of digital inclusive finance can significantly promote agricultural development, and the development of its three dimensions of coverage breadth, use depth and degree of digitalization can also play a positive role in promoting agricultural development. From a sub-regional perspective, the development of digital inclusive finance plays a significant role in promoting agricultural development in the eastern region, but not in the central and western regions. The study is of great significance to optimize digital inclusive finance and promote the sound development of agriculture.