数字普惠金融支持农村产业融合发展研究

On Digital Inclusive Finance Supporting Rural Industrial Integration Development

民族要复兴,乡村必振兴。农村产业融合作为乡村振兴的重要途径,金融如何支持农村产业融合发展成为重要课题。随着数字化发展不断深入,数字普惠金融成为推动农村产业融合的重要引擎。本章选取2011—2020年中国各地区面板数据,通过实证分析检验数字普惠金融对农村产业融合的影响,并考察其产生影响的具体路径。结果表明:第一,数字普惠金融对农村产业融合存在显著的正向影响,并且支付与信贷业务对农村产业融合有较强的促进作用,保险业务对其影响相对较弱;第二,数字普惠金融主要通过农业产业链延伸、农业多功能性发挥、农业服务业融合发展等途径来促进农村产业融合发展,对先进要素渗透促进作用较弱。为此,文章主要提出要加快创新数字普惠金融产品、加强数字普惠金融基础设施建设、顺应发展趋势等建议,从而解决数字普惠金融如何支持农村产业融合发展的问题。

If the nation wants to revive, the countrysides have to be revitalized. As an important way of rural revitalization, rural industrial integration has become an important issue on how to support the development of rural industrial integration. With the continuous deepening of digital development, digital inclusive finance has become an important engine to promote the integration of rural industries. This paper selects panel data of various regions in China from 2011 to 2020 to test the impact of digital inclusive finance on rural industrial integration through empirical analysis, and examine the specific path of its impact. The results are as follows. First, digital inclusive finance has a significant positive impact on rural industrial integration, and payment and credit business have a strong role in promoting rural industrial integration, while insurance business has a relatively weak impact on it. Second, digital inclusive finance mainly promotes the integrated development of rural industries through the extension of agricultural industry chain, the play of agricultural multi-function, the integrated development of agricultural services and other ways, and has a weak role in promoting the penetration of advanced elements. Therefore, this paper mainly puts forward some suggestions, such as accelerating the innovation of digital inclusive financial products, strengthening the construction of digital inclusive financial infrastructure and conforming to the development trend, so as to solve the problem of supporting the integrated development of rural industries by digital inclusive finance.