双创视角下数字普惠金融对农业经济韧性的影响研究——兼议传统金融竞争的门槛效应

Study on the impact of digital financial inclusion on the resilience of agricultural economy from the perspective of entrepreneurship and innovation The threshold effect of traditional financial competition

数字普惠金融为农业经济韧性水平提升指明新的方向,对保障农业现代化、实现乡村振兴具有重要意义。基于2011-2021年中国31个省份面板数据,构建农业经济韧性综合水平指数,利用面板回归模型,探究数字普惠金融对农业经济韧性的影响及作用机制。结果表明:数字普惠金融能显著增强农业经济韧性;分维度看,覆盖广度对农业经济韧性的促进作用最大,使用深度次之,数字化程度最小;分区域看,数字普惠金融对东部地区农业经济韧性的推动作用优于中西部地区;数字普惠金融能通过促进农村创新、创业提升农业经济韧性水平;传统金融竞争在数字普惠金融促进农业经济韧性水平提升中存在门槛作用,传统金融竞争越激烈,对农业经济韧性水平的提升作用越强。未来应大力发展数字普惠金融,因地制宜协调数字普惠金融发展,提高农村地区创新、创业活力,引导传统金融良性竞争。

Digital financial inclusion points out a new direction for the improvement of the resilience level of the agricultural economy,which is of great significance for guaranteeing agricultural modernization and realizing rural revitalization.Based on the panel data of 31 provinces in China from 2011 to 2021,this paper constructed the comprehensive level index of agricultural economic resilience,and used the panel regression model to explore the impact and mechanism of digital financial inclusion on agricultural economic resilience.The results showed that:Digital inclusive finance could significantly enhance the resilience of the agricultural economy;in terms of sub-dimensions,the breadth of coverage had the greatest role in promoting the resilience of the agricultural economy,followed by the depth of use,and the smallest degree of digitization;in terms of subregions,the promotion of the resilience of the agricultural economy of the eastern region of the digital inclusive finance was better than that of the central and western regions;the digital inclusive finance could enhance the level of the resilience of the agricultural economy through the promotion of rural innovation and entrepreneurship;the traditional financial competition in digital inclusive finance to promote the level of agricultural economic resilience of the threshold role,the more intense the traditional financial competition,the stronger the role of agricultural economic resilience level.In the future,digital inclusive finance should be vigorously developed,and the development of digital inclusive finance should be coordinated according to local conditions,so as to improve the vitality of innovation and entrepreneurship in rural areas and guide the healthy competition of traditional finance.