数字普惠金融与农业绿色发展——基于金融约束缓解的视角

Digital Financial Inclusion and Agricultural Green Development——From the Perspectives of Easing Financial Constraints

在农业生态化转型与可持续发展的背景下,农业绿色发展是实现农业高质量发展的现实路径,而作为新型金融模式的数字普惠金融,是打破农村金融困境的有效工具,已经成为农业绿色发展的重要驱动力。因此,论文利用中国2011-2020年30个省级面板数据,从金融约束缓解的视角,深入研究数字普惠金融对农业绿色发展的影响效应。研究发现:1.2011-2020年,农业绿色发展水平及其分指数,整体呈现上升趋势,但是,各区域间的农业绿色发展差异较大;2.数字普惠金融对农业绿色发展具有显著的促进作用,其中,数字普惠金融使用深度对农业绿色发展的影响程度最大;3.数字普惠金融能够通过缓解金融约束推动农业绿色发展;4.从农业重要性角度而言,数字普惠金融对粮食主产区农业绿色发展的影响程度最大,且其在粮食主产区和非粮食主产区中,均能通过缓解金融约束促进农业绿色发展。从区域差异性角度来看,数字普惠金融对农业绿色发展的影响程度,沿东部、中部向西部递减,且其均能通过缓解金融约束来促进东部和西部的农业绿色发展。为加快农业生产方式转型,推动农业绿色发展的进程,论文提出完善农村数字普惠金融市场、缩小区域“数字鸿沟”、增强数字普惠金融的农业绿色发展效能等政策建议。

Under the background of agricultural ecological transformation and sustainable development,agricultural green development is a realistic path to achieve high-quality agricultural development.As a new financial model,digital financial inclusion is an effective tool to break the financial dilemma in rural areas and has become an important driving force for agricultural green development.Therefore,using the panel data of 30 provinces in China from 2011 to 2020,from the perspective of easing financial constraints,this paper deeply studies the impact of digital financial inclusion on agricultural green development.The findings are as follows:(1)From 2011 to 2020,the level of agricultural green development and its sub-indexes showed an overall upward trend,but there were great differences among regions;(2)Digital financial inclusion plays a significant role in promoting agricultural green development,among which the depth of digital financial inclusion has the greatest influence on agricultural green development;(3)Digital financial inclusion can promote the agricultural green development by easing financial constraints;(4)From the point of view of agricultural importance,digital financial inclusion has the greatest influence on agricultural green development in major grain-producing areas,and it can promote agricultural green development by easing financial constraints in both major grain-producing areas and non-major grain-producing areas.From the perspective of regional differences,the influence of digital financial inclusion on agricultural green development decreases from the East to the West,and it can promote agricultural green development in the East and West by easing financial constraints.To speed up the transformation of agricultural production mode and promote agricultural green development,this paper puts forward some policy suggestions,such as perfecting the rural digital financial inclusion market,narrowing the regional"digital divide",and enhancing the effectiveness of digital financial inclusion in agricultural green development.