数字普惠金融与农村产业融合

Digital Inclusive Finance and Rural Industry Integration

数字普惠金融是对传统金融服务模式的重要转变,将信息技术与金融支持服务相结合。在现代农业发展模式下,需要更强的技术支持和金融支持,那么数字普惠金融是否能够促进农村产业融合呢?通过选取省级层面数据,深入考察两者的关系。研究表明,数字普惠金融显著促进了农村产业融合,这一研究结论在一系列稳健性检验后依然成立。研究发现,技术渗透在其中起到了中介作用,即数字普惠金融提高了产业间的技术渗透,最终强化了农村产业融合。进一步检验发现,在中西部地区以及非农产业占比较高时,数字普惠金融对农村产业融合的促进作用更显著。

Digital inclusive finance is an important transformation of the traditional financial service model,combining information technology with financial support services.Under the modern agricultural development model,stronger technical and financial support is needed.Can digital inclusive finance promote the rural industry integration?This paper selects provincial level data to investigate the relationship between the two.The research shows that digital inclusive finance has significantly promoted the rural industry integration.This conclusion is still valid after a series of robustness tests.The study has found that technology penetration plays an intermediary role in the integration course,that is,digital inclusive finance improves the technology penetration between industries,and finally strengthens the rural industry integration.Further test has found that in the central and western regions and when the proportion of non-agricultural industries is relatively high,digital inclusive finance plays a more significant role in promoting the rural industry integration.