数字普惠金融、农业产业链延伸与农民增收

关键词:  数字普惠金融  农业产业链延伸  农民增收  熵值法  双向固定效应

Key words:  digital inclusive finance  extension of agricultural industrial chain  increase farmers' income  entropy method  two-way fixed effect

摘要:

目的 探究数字普惠金融对农民增收的影响效果，寻求数字普惠金融建设、推进共同富裕的新思路。方法 文章采用2011—2022年中国31个省份（自治区、直辖市，不包含港澳台地区）面板数据，构建了数字普惠金融和农业产业链延伸的指标体系，采用熵值法测算出数字普惠金融和农业产业链延伸的综合得分，以农民增收作为被解释变量，数字普惠金融作为核心解释变量，农业产业链延伸作为中介变量，对数字普惠金融促进农民增收的直接及间接影响进行实证研究。结果 2011—2022年我国数字普惠金融和农业产业链延伸整体上呈现出稳步上升的趋势，这与我国总体经济发展水平相吻合；双向固定效应回归结果表明数字普惠金融对农民增收具有明显的正向促进作用；通过调整被解释变量、剔除部分样本以及分样本量回归等方法进行稳健性检验后，结论依然成立；中介效应表明农业产业链延伸在数字普惠金融推动农民增收的过程中起到了传导作用；异质性检验表明，数字普惠金融在促进农民增收的进程中存在着地区差异，其中东部、中部地区的促进作用较为明显。结论 提出了加快完善数字基础设施建设、优化产业结构并拓展农业产业链以及推进地区间数字普惠金融的协调发展等对策建议。

Abstract:

This research is intends to explore the impact of digital inclusive finance on farmers' income increase，so as to seek new ideas for the construction of digital inclusive finance and the promotion of common prosperity.Based on the panel data of 31 provinces (municipalities, autonomous regions, excluding Hong Kong, Macao, and Taiwan of China) in China from 2011 to 2022, this research constructed an index system of digital inclusive finance and agricultural industry chain extension, calculated the comprehensive score of digital inclusive finance and agricultural industry chain extension by adopting the entropy method, and conducted an empirical study on the direct and indirect impacts of digital inclusive finance on farmers' income growth, with farmers' income growth as the explained variable, digital inclusive finance as the core explanatory variable, and agricultural industrial chain extension as the mediating variable. The results were indicated as follows. From 2011 to 2022, China's digital inclusive finance and the extension of the agricu ltural industry chain showed a steady upward trend as a whole, which was consistent with Chin's overall economic development level. The results of two-way fixed-effect regression showed that digital inclusive finance had a significant positive effect on farmers' income increase．After robustness tests through adjusting the dependent variable, excluding certain samples, and conducting subgroup regressions, the conclusions remain valid; the mediation effect indicates that agricultural industrial chain extension plays a mediating role in the process of digital inclusive finance driving farmers' income growth.The heterogeneity test showed that there were regional differences in the process of promoting farmers’ income increase in digital inclusive finance, and its promotion effect in the eastern and central regions was more obvious. Finally, some countermeasures and suggestions were put forward, such as accelerating the construction of digital infrastructure, optimizing the industrial structure, expanding the agricultural industry chain, and promoting the coordinated development of digital inclusive finance between regions.