数字普惠金融支持乡村产业振兴的作用机制研究

The Mechanism of Digital Inclusive Finance to Support Rural Industrial Revitalization

文章基于2011—2022年中国30个省份面板数据,运用固定面板效应模型和间接效应模型,实证研究数字普惠金融对乡村产业振兴的影响效应及作用机制。结果表明,数字普惠金融对乡村产业振兴具有正向推动作用,通过促进产业结构高级化实现对乡村产业振兴的正向作用,此效应存在区域和互联网普及程度异质性;此外,数字普惠金融对乡村产业振兴存在以互联网普及率为门槛的非线性影响。据此,应提升互联网普及率、促进产业结构优化升级、健全数字普惠金融体系,以充分发挥数字普惠金融的作用。

Based on the panel data of 30 provinces in China from 2011 to 2022,this paper empirically studies the effect and mechanism of digital inclusive finance on rural industrial revitalization by using fixed panel effect model and indirect effect model.The results show that digital inclusive finance plays a positive role in promoting rural industry revitalization.It can achieve a positive effect on the revitalization of rural industry by promoting the upgrading of industrial structure,and the pro-motion effect has heterogeneity in geographical location and Internet popularity.In addition,digital inclusive finance has a non-linear impact on the revitalization of rural industries with the Internet popularizing rate as the threshold.Therefore,we should increase the Internet popularizing rate,promote the optimization and upgrading of the industrial structure,and improve the digital inclusive financial system so as to give full play to the role of digital inclusive finance.