数字普惠金融、数字基础设施建设和农村产业融合

Digital Inclusive Finance,Digital Infrastructure Construction and Rural Industry Integration

农村产业融合是实现农村产业兴旺进而促进乡村振兴的重要抓手。论文研究了数字普惠金融对农村产业融合的影响及数字基础设施在其中的作用。研究发现,数字普惠金融的覆盖广度、使用深度均能推动农村产业融合水平提升,且数字基础设施在其中起到正向调节作用,数字基础设施建设越完善,数字普惠金融对农村产业融合的推动作用越强。在异质性分析中,仅东部地区数字普惠金融对农村产业融合具有显著的促进作用;且数字普惠金融在农业功能定位弱的地区呈现了显著的后发优势。基于以上研究,论文提出完善数字普惠金融顶层设计、发挥落后地区后发优势、加快农村数字基础设施建设等建议。

Rural industrial integration is an important starting point to realize the prosperity of rural industries and promote rural revitalization.This paper studies the impact of digital inclusive finance on rural industrial integration and the role of digital infrastructure in it.The study finds that the breadth of coverage and depth of use of digital inclusive finance can promote the level of rural industrial integration.The more complete the digital infrastructure is,the stronger the role of digital inclusive finance in promoting rural industrial integration is.In the heterogeneity analysis,only digital inclusive finance in the eastern region has a significant promoting effect on rural industrial integration,and digital financial inclusion presents a significant latecomer advantage in areas where the agricultural function is weakly positioned.Based on the above research,this article puts forward suggestions such as improving the top-level design of digital inclusive finance,giving full play to the latecomer advantages of backward areas,and accelerating the construction of rural digital infrastructure.