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数字普惠金融助推乡村产业振兴:以农产品加工业为例

Digital inclusive finance promotes rural industrial revitalization: evidence from the agricultural product processing industry

  • 摘要: 数字普惠金融为缓解农产品加工业的金融供需矛盾提供了新契机,对推动乡村产业振兴具有重要意义。基于2011—2023年中国30个省份(除西藏及港澳台地区)面板数据,本文分析了数字普惠金融对不同农产品加工业的影响,并利用中介模型从技术创新和市场化程度两条传导路径,揭示其作用机制。研究结果表明:1)数字普惠金融对农产品加工业具有显著的正向影响,稳健性检验和内生性检验结果依然支持上述结论;2)数字普惠金融在中部、西部地区以及粮食主产区显著促进农产品加工业发展,在东部、东北地区以及非粮食主产区影响则并不显著;3)数字普惠金融对农产品加工业中的食品和木材加工业具有显著的正向影响,而对纺织、橡胶和纸张加工业的影响不显著;4)数字普惠金融通过促进技术创新和提高市场化程度两条路径显著正向地影响农产品加工业。据此,本文建议加强数字普惠金融体系建设,通过数字普惠金融服务引导企业主动进行技术创新研发和积极提高市场化程度。同时建议政策制定者要完善和制定区域和产业差异化的支撑政策,来促进我国农产品加工业高质量发展,助推乡村产业振兴。

     

    Abstract: Digital inclusive finance provides new opportunities to ease the financial supply–demand imbalance in the agricultural product processing industry and plays an important role in promoting rural industrial revitalization. Based on panel data from 30 provinces in China (excluding Xizang, Hong Kong, Macao, and Taiwan) from 2011 to 2023, this study examines the impact of digital inclusive finance on different types of agricultural product processing industries. A mediation model is employed to reveal its mechanisms through two paths: technological innovation and marketization. The results show that: 1) Digital inclusive finance significantly promotes the agricultural product processing industry, and this finding remains robust after multiple tests. 2) Its positive effects are evident in central, western, and main grain-producing regions, but not in eastern, northeastern, or non-grain-producing areas. 3) It significantly boosts the food and wood processing industries, while its impacts on the textile, rubber, and paper product processing industries are insignificant. 4) It advances the agricultural product processing industry by enhancing technological innovation and marketization. Accordingly, this study recommends strengthening the digital inclusive financial system to encourage enterprises to engage in technological innovation and improve marketization. Policymakers are also advised to develop supportive policies tailored to regional and industrial differences to promote the high-quality development of China’s agricultural product processing industry and support rural industrial revitalization.

     

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