| 摘要: |
| 乡村产业融合发展是中国由农业大国向农业强国转变的重要途径,新型农业经营主体是乡村产业融合发展的主力军,数字金融所具有的时效性、准确性和边际效益递增性等特点,能够赋能乡村产业融合发展融资的供需匹配有效性。本研究选取有代表性的中西部四省一市进行实地调研,并通过probit模型,IV工具变量等进行实证检验和稳健性分析。研究发现,数字金融有助于增加金融资源和服务的可获得性,拓宽新型农业经营主体的融资渠道和选择,进而有利于促进新型农业经营主体的乡村产业融合发展。同时,社会网络资源较好、金融素养程度越高对新型农业经营主体从事乡村产业融合发展也有显著正向促进作用。数字金融促进乡村产业融合发展的主要作用机理显示,二者是供需匹配且动态平衡的,亟需在政策层面建立多方位创新机制才能保证二者协同可持续发展。 |
| 关键词: 数字金融 新型农业经营主体 乡村产业融合发展 作用机理 实地调研 |
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| 基金项目:国家社会科学基金重点项目阐释党的十九届四中全会精神“建立解决相对贫困的制度体系与长效机制研究”（编号：20AZD080）；国家社科基金重大项目“实现巩固拓展脱贫攻坚成果同乡村振兴有效衔接研究”（编号：21ZDA062）；重庆工商大学高层次人才科研启动项目“数字经济背景下推进乡村产业兴旺的金融创新研究”（编号：2255018） |
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| Research on the Mechanism and Micro Evidence of Digital Finance in Promoting the Integrated Development of Rural Industries——Field Investigation Based on New Agricultural Management Entities in Midwest China |
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Southwest University
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| Abstract: |
| The integrated development of rural industries is an important way for China to transform from a large agricultural country to a world-class agricultural powerhouse, and new agricultural business entities are the main force in the integrated development of rural industries. The timeliness, accuracy and incremental marginal benefits of digital finance can empower the financing needs of the integrated development of rural industries. This research first selects representative central and western regions to conduct field research. The relationship characteristics, supply and demand development trend and mechanism of digital finance promoting the integrated development of rural industries were summarized. Secondly, the empirical test and robustness analysis of the questionnaire survey data using probit models and IV measurement methods have found that digital finance can increase the availability of financial resources and services, broaden the financing channels and choices of new agricultural business entities, and effectively help new types of agricultural business entities. At the same time, better social network resources and higher financial literacy will promote the integration and development of rural industries by new agricultural operators. Finally, the main mechanism of digital finance in promoting the integrated development of rural industries shows that supply and demand are matched and dynamically balanced, and it is necessary to puts forward corresponding mechanism innovations and policy recommendations to ensure the coordinated and sustainable development. |
| Key words: Digital Finance Integrated Development of Rural Industries Mechanism New Agricultural Business Entity Field research |