数字普惠金融提升农业数字化水平的实证研究

An empirical study on digital inclusive finance to enhance the digitization level of agriculture

基于2014—2020年我国31个省(市、自治区)的面板数据,在使用熵权法测度农业数字化水平的基础上,构建固定效应模型实证检验数字普惠金融对农业数字化水平的影响。基准回归结果表明,数字普惠金融能够促进农业数字化水平提升。异质性分析表明,数字金融覆盖广度对农业数字化的提升作用最大,数字金融使用深度与普惠金融数字化程度对农业数字化的促进效用较为有限。基于实证分析结果,提出加速数字普惠金融发展、重视农户金融素养培训、加强数字基础设施建设等建议。

Based on the panel data of 31 provinces(municipalities directly under the Central Government and autonomous regions)in China from 2014 to 2020,and on the basis of using entropy weight method to measure the level of agricultural digitalization,a fixed-effect model was constructed to empirically test the impact of digital financial inclusion on the level of agricultural digitalization.The benchmark regression results show that digital financial inclusion can promote the digitalization level of agriculture.Heterogeneity analysis shows that the breadth of digital finance coverage has the greatest effect on the promotion of agricultural digitalization,while the depth of digital finance use and the degree of digitalization of inclusive finance have limited effect on agricultural digitalization.Based on the results of empirical analysis,the paper puts forward some suggestions to accelerate the development of digital inclusive finance,pay attention to the financial literacy training of farmers,and strengthen the construction of digital infrastructure.