数字普惠金融对农业产业结构升级的影响机制研究

Research on the influence mechanism of digital inclusive finance on the upgrading of agricultural industrial structure

在我国经济实现高质量发展阶段,产业结构升级处于重要的战略地位。数字普惠金融是数字化信息时代实现经济发展的新动能,随着数字普惠金融惠及农村,其将通过何种路径驱动农业产业结构转型升级?基于2011—2018年全国31个省区市面板数据,探究数字普惠金融对农业产业结构升级的内在影响及传导机制。研究表明,数字普惠金融对农业产业结构升级有显著的促进作用,且数字普惠金融的覆盖广度、使用深度、数字化程度对农业产业结构的作用依次递减;东、中、西部地区数字普惠金融对农业产业结构升级具有异质性;农户创业在数字普惠金融对农业产业结构升级的影响中发挥了部分中介作用。基于此,提出深化农村地区数字普惠金融发展理念,建立健全数字金融市场体系;制定差异化的发展战略,促进区域协调联动发展;优化农村创新创业环境,以农户高质量创业促进农业产业升级。

In the stage of high-quality economic development in China,the upgrading of industrial structure is in an important strategic position.Digital inclusive finance is a new driving force for economic development in the digital information era.As digital inclusive finance benefits rural areas,what path will it take to drive the transformation and upgrading of agricultural industrial structure? Based on the panel data of 31 provinces(autonomous regions and municipalities) in China from 2011 to 2018,the internal impact and transmission mechanism of digital inclusive finance on the upgrading of agricultural industrial structure was explored.The research showed that digital inclusive finance had a significant role in promoting the upgrading of agricultural industrial structure,and the effect of digital inclusive finance on the agricultural industrial structure was decreasing in turn;Digital inclusive finance in eastern,central and western regions had heterogeneity in upgrading agricultural industrial structure;Farmers′ entrepreneurship played a partial mediating role in the impact of digital inclusive finance on the upgrading of agricultural industrial structure.Based on this,it was proposed to deepen the development concept of digital inclusive finance in rural areas,and establish and improve the digital financial market system;formulate differentiated development strategies to promote coordinated and coordinated regional development;optimize the rural innovation and entrepreneurship environment,and promote the upgrading of agricultural industry with high-quality entrepreneurship of farmers.