数字普惠金融能否提升农业产业发展质量?

Could Digital Inclusive Finance Improve the Quality of Agricultural Industry Development

提高农业产业发展质量是提升中国农业现代化水平的关键所在。作为一种新业态,数字普惠金融凭借数字化优势为农业产业畅通“金融血脉”,助力推动农业产业高质量发展。本文基于我国2014—2021年30个省份的面板数据,选用省份固定效应模型实证探究数字普惠金融对农业产业发展质量的影响、作用机制及区域异质性。研究结果表明,数字普惠金融能够显著推动农业产业发展质量提升,缓解流动性约束是数字普惠金融提升农业产业发展质量的间接途径。进一步分析表明,数字普惠金融提升农业产业发展质量的作用表现为东部地区大于中西部地区,粮食主产区大于非主产区。为此,应完善数字普惠金融发展的信息环境,持续提高财政支农资金使用效益,创新数字金融产品与服务方式,缓解涉农主体的流动性约束,实施差异化、动态化的数字普惠金融战略,激发农业产业高质量发展的内生动力。

Improving quality of agricultural industry development is the key to improving the modernization level of China’s agriculture.As a new business model,digital inclusive finance leverages its digital advantages to smooth the“financial blood vessel”of the agricultural industry and help promote high-quality development of the agricultural industry.This article is based on panel data from 30 provinces in China from 2014 to 2021,and uses a provincial fixed effects model to empirically explore the impact,mechanism,and regional heterogeneity of digital inclusive finance on the quality of agricultural industry development.The research results indicate that digital inclusive finance can significantly promote the improvement of the quality of agricultural industry development,and alleviating liquidity constraints is an indirect way for digital inclusive finance to enhance the quality of agricultural industry development.Further analysis shows that the role of digital inclusive finance in improving the quality of agricultural industry development is greater in the eastern regions than in the central and western regions,and greater in the main grain producing areas than in the non main producing areas.Therefore,we should improve the information environment for the development of digital inclusive finance and continuously improve the efficiency of the use of fiscal support for agriculture funds.We should innovate digital financial products and service methods to alleviate the liquidity constraints of agricultural entities.We should implement a differentiated and dynamic digital inclusive finance strategy to stimulate the inner driving force for high-quality agricultural industry development.