数字普惠金融对农业产业化现代化发展的影响机制研究

Research on the Impact of Digital Inclusive Finance on the Development of Agricultural Industrialization and Modernization

在数字经济和乡村振兴战略背景下,探究数字普惠金融是否有效促进农业产业化现代化发展具有重要现实意义。采用2011—2020年中国31个省份的面板数据进行实证检验,结果表明,数字普惠金融对农业产业化现代化发展具有推动作用,其影响机制如金融获得、企业创新能力和财政支农均通过检验。此外,数字普惠金融对区域农业产业化现代化的影响在区域经济发展上具有门槛效应。区域经济水平达到一定高度后,数字普惠金融对农业产业化现代化的影响显著提高。

Under the background of digital economy and rural revitalization strategy,it is of great practical significance to explore whether digital inclusive finance can effectively promote the development of agricultural industrialization and modernization.The paper uses panel data of 2011—2020 of 31 provinces,municipalities and autonomous regions(excluding Hong Kong,Macao and Taiwan)in China for empirical study.The conclusions show that the digital inclusive finance can promote the agriculture industrialization and modernization.The influencing mechanisms such as financial access,enterprise innovation ability and financial support to agriculture were tested.In addition,the impact of digital inclusive finance on regional agricultural industrialization and modernization has a threshold effect on regional economic development.When the regional economic level reaches a certain level,the impact of digital inclusive finance on agricultural industrialization and modernization is significantly improved.