数字普惠金融在提升农业科技创新水平中的作用机制分析

The Function Mechanism of Digital Inclusive Finance in Improving the Level of Agricultural and Technology Innovation

在当前全球经济数字普惠金融的大背景下,数字普惠金融作为金融科技发展的重要产物,正逐渐成为推动农业现代化和高质量发展的新动力。为探究数字普惠金融水平对农业科技创新水平的影响机制,文章基于全国30个省区市2011—2022年的数据,利用固定效应模型、中介效应检验等方法进行分析。研究表明,农业科技创新水平会随着数字普惠金融水平的提升而提升。通过中介效应研究发现,数字普惠金融可以通过增加信息化企业数和提升城镇化水平来改善农业科技创新水平;异质效应表明,数字普惠金融对各地区都有显著的正向促进作用;分地区而言,数字普惠金融对东部地区农业科技创新水平影响程度大于中西部地区。

Under the background of global economic digital inclusive finance,digital inclusive finance,as an important product of financial technology development,is gradually becoming a new engine to promote agricultural modernization and rural economic development.Based on the data of 30 provinces(regions)in China from 2011 to 2022,the influence mechanism of digital inclusive finance level on agricultural science and technology innovation level was analyzed by using the methods of fixed effect model,intermediary effect and Bootstrap test.Through research and analysis,it showed that,the level of agricultural science and technology innovation would increase with the level of digital inclusive finance.Through the study of intermediary effect,it was found that,digital inclusive finance could improve the level of agricultural science and technology innovation by increasing the number of information enterprises and improving the level of urbanization;Heterogeneous effect showed that,digital inclusive finance had a significant positive effect on all regions.Regionally,the influence of digital inclusive finance on the innovation level of agricultural science and technology in the eastern region was greater than that in the central and western regions.