乡村一二三产业融合发展与农民收入增长--基于数字普惠金融调节效应的分析

Convergence Development of Primary,Secondary and Tertiary Industries and Farmers’Income Increase from the Perspective of Moderating Effect of Digital Inclusive Finance

基于中国2011—2020年30个省(市区)的数据,实证研究了一二三产业融合、数字普惠金融和农民收入之间的关系,研究表明一二三产业融合发展能促进农民收入增收,数字普惠金融发展对农民收入的影响随着一二三产业融合发展水平提升而增强。同时,通过异质性对比分析,在数字普惠金融发展水平高的地区,三产融合发展具有显著增加农民收入的作用;在数字普惠金融发展水平低的地区,三产融合发展促进农民收入增收的因果关系在统计上不显著。根据实证分析结果,建议一二三产业融合发展的策略不仅仅是通过实体产业创造新产品、新服务、新产业、新业态和新模式等方式进行,还需与虚拟的数字普惠金融融合发展,通过实体产业融合与虚拟金融共同发展,带动农民收入增加。

Based on the data of 30 provinces in China from 2011 to 2020,an empirical study of the relationship between the integration of primary,secondary and tertiary industries,digital inclusive finance and farmers'income is conducted.The results show that the integration of primary,secondary and tertiary industries can promote farmers'income and the impact of the development of digital inclusive finance on farmers'income will increase with the improvement of the integration of primary,secondary and tertiary industries.In addition,after the analysis of heterogeneity,in areas with high level of digital inclusive finance development,the integration of three industries has a significant role in increasing farmers'income while in areas with low development level of digital inclusive finance,the causal relationship between the integration of three industries and the increase of farmers'income is not statistically significant.The findings suggest that the strategy of integrated development of the primary,secondary and tertiary industries should not only be carried out through the way of creating new products,new services,new industries,new industrial forms,and new models,but also be integrated with the virtual digital inclusive finance.Farmers'income will increase through the joint development of real industry integration and virtual finance.