基于种粮农户视角的数字普惠金融抑制耕地“非粮化”研究

Research on Digital Inclusive Finance to Suppress Non Grainization of Arable Land from the Perspective of Grain Farmers

我国耕地“非粮化”水平总体较高,数字普惠金融的发展为破解耕地“非粮化”难题提供了新视角。利用2011—2020年我国各省的面板数据,采用固定效应模型,实证分析了数字普惠金融发展对耕地“非粮化”的影响。结果表明:(1)数字普惠金融总指数(FI)在0.01水平上显著负向影响耕地“非粮化”率。经济发展水平、财政支农水平、人力资本水平、信息化水平分别在0.01、0.01、0.01、0.05水平上显著正向影响耕地“非粮化”率;有效灌溉水平、基础设施水平、农作物受灾水平分别在0.01、0.01、0.05水平上显著负向影响耕地“非粮化”率。(2)数学普惠金融指数中的覆盖广度、使用深度和数字化程度3个维度在0.01水平上显著负向影响耕地“非粮化”。(3)主产区、主销区的数字普惠金融总指数分别在0.05、0.01水平上显著负向影响耕地“非粮化”,产销平衡区的数字普惠金融总指数负向影响耕地“非粮化”,但不显著。提出提高数字普惠金融的发展广度与深度、因地制宜地发展数字普惠金融等对策建议。

The overall level of non grainization of arable land in China is relatively high,and the development of digital inclusive finance provides a new perspective for solving the problem of non grainization of arable land.Using panel data from various provinces in China from 2011 to 2020,a fixed effects model was employed to empirically analyze the impact of the development of digital inclusive finance on the non grainization of arable land.The results indicated that:(1)The overall index of digital inclusive finance(FI)had a significant negative impact on the non grainization rate of arable land at the 0.01 level.The level of economic development,financial support for agriculture,human capital,and informatization had a significant positive impact on the non grainization rate of cultivated land at the 0.01,0.01,0.01,and 0.05 levels,respectively.The effective irrigation,infrastructure,and crop disaster had a significant negative impact on the non grainization rate of arable land at the 0.01,0.01,and 0.05 levels,respectively.(2)The three dimensions of coverage breadth,usage depth,and digitalization degree in the mathematical inclusive finance index had a significant negative impact on main production areas and main sales areas had a significant negative impact on the non grainization of cultivated land at the 0.05 and 0.01 levels,respectively.The total index of digital inclusive finance in the production sales balance areas had a negative impact on the non grainization of arable land,but the impact was not significantly.The countermeasures and suggestions to improve the breadth and depth of the development of digital inclusive finance,and develop digital inclusive finance according to local conditions were proposed.