摘要
数字普惠金融能突破金融时空限制、降低金融准入门槛和优化资本配置,是推动乡村产业结构升级的重要引擎。文章基于2011—2022年中国省级面板数据,采用双向固定效应模型,实证检验了数字普惠金融对乡村产业结构升级的影响及其作用机制。结果表明:①数字普惠金融及其三项分类指数(覆盖广度、使用深度和数字化程度)均显著促进了乡村产业结构升级,其中使用深度的推动效应最强,覆盖广度与数字化程度次之。②数字普惠金融对乡村产业结构升级的影响存在单门槛效应,门槛值分类检验表明,数字普惠金融发展水平较高的地区,其乡村产业结构升级效应显著强于低水平地区。③数字普惠金融通过刺激资本增密型农业科技投入和生产效率提升,驱动农业技术进步,从而赋能乡村产业结构升级。据此,未来应着力优化乡村数字普惠金融的供需匹配机制,推进产品创新;同时提升农业技术创新与转化应用能力,全面促进乡村产业结构升级。
Digital inclusive finance breaks through geographical financial constraints,lowers access barriers,and optimizes resource allocation,making it a key driver of rural industrial restructuring.This paper empirically examines its effects using provincial panel data(2011-2022)and a two-way fixed effects model.Key findings indicate:1)Digital inclusive finance and its three sub-dimensions—usage depth,coverage breadth,and digitization—all accelerate rural industrial restructuring,with usage depth having the strongest impact,followed by coverage breadth and digitization.2)A single-threshold effect exists:threshold regression analysis confirms significantly stronger restructuring effects in high-development regions than in low-development regions.3)It promotes capital-intensive agricultural technology investment and improves rural industrial efficiency,driving agricultural technological progress to empower industrial restructuring.Policy efforts should prioritize supply-demand matching and product innovation for rural digital finance,while enhancing agricultural technology innovation and adoption capabilities to advance rural industrial restructuring comprehensively.
作者
杨佳利
YANG Jiali(Business School,Shaoguan University,Shaoguan 512005,Guangdong,China)
出处
《经济地理》
北大核心
2025年第6期183-191,共9页
Economic Geography
基金
国家自然科学基金(71973042)
广东省哲学社会科学规划一般项目(GD22CGL12)
广东省普通高校特色创新类项目(2024WTSCX036)
韶关学院引进(培养)人才科研项目(9900064604)。
关键词
数字普惠金融
乡村产业结构升级
双向固定效应模型
门槛效应
农业技术进步
digital inclusive finance
upgrading of rural industrial structure
two-way fixed effects model
threshold effect
agriculturaltechnological progress
