数字普惠金融对现代设施农业发展的影响研究

Research on the Impact of Digital Inclusive Finance on the Development of Modern Facility Agriculture

发展现代设施农业是突破资源环境约束、满足食物消费升级、培育农业新质生产力的关键抓手,是农业高质量发展和供给侧结构性改革的必由之路。然而,已有文献针对数字普惠金融支持现代设施农业发展的研究关注较少。论文基于要素市场和产品市场双向分析视角出发,建立了区域经济体农业生产经营投资收益模型,理论剖析了数字普惠金融对现代设施农业发展的影响,并运用县域层面统计数据进行了实证检验;且进一步结合实践场景,阐释了数字普惠金融支持现代设施农业发展的赋能机制。研究发现,数字普惠金融能够有效促进现代设施农业优化发展;县域普惠金融市场发育显著带动了该地区设施农业建设面积增长,且受到当地财政预算投入的正向调节;数字普惠金融能够基于数字授信、专项基金、市场撮合、“保险+期货”等金融工具和服务创新,打造融资拓宽机制、回报激励机制、服务优化机制和市场稳定机制,支持现代设施农业可持续发展。基于此,文末提出创新金融服务结构、强化金融科技工具应用、以财政投入引导金融社会资本注入、立足产业协同视角推动现代设施农业高质量发展等政策启示。

The construction of modern facility agriculture is a key lever to break through resource and environmental constraints,improve agricultural production efficiency,and meet the upgrading of food consumption.It is a necessary path for high-quality agricultural development and supply side structural reform.However,there is limited research on digital inclusive finance supporting the development of facility agriculture in existing literature.From the perspective of bidirectional analysis of factor markets and product markets,the article starts establishes a model of investment returns on agricultural production and operation of regional economies,so as to theoretically analyze the impact of digital inclusive finance on the development of modern facility agriculture,as well as empirical testing was conducted by county-level statistical data.On this basis,further combining practical scenarios,the empowerment mechanism of digital inclusive finance to support the development of modern facility agriculture was analyzed.The results show that digital inclusive finance can effectively promote the optimized development of modern facility agriculture;The development of county-level inclusive financial markets can significantly promote the growth of modern facility agriculture construction area in the region,which is positively regulated by local fiscal budget investment.And based on financial instruments and service innovations such as digital credit,special funds,market matching,and"insurance+futures",the digital inclusive finance has created financing expansion mechanisms,return incentive mechanisms,service optimization mechanisms,and market stability mechanisms to support the stable and positive development of modern facility agriculture.Based on this,this article proposes policy inspirations such as innovating the structure of financial services,strengthening the application of financial technology tools,guiding the injection of financial and social capital through fiscal investment,and promoting the high-quality development of modern facility agriculture from the perspective of industrial synergy.