数字普惠金融赋能农业全要素生产率的路径研究

Research on the Path of Digital Inclusive Finance Enabling Agricultural Total Factor Productivity

摘要: 农业是我国的基础产业，在现代化转型与乡村振兴战略中承担着关键作用。目前我国面临农业发展滞后、农村建设滞后及农民收入增长缓慢等关联性难题。为了有效解决这些问题，加速推进农业现代化进程，提升农业全要素生产率具有重要意义。随着数字信息技术的迅速发展，数字化技术拓展了金融服务领域，提高了金融效能，使得农业融资更方便快捷，有效助力农民提升生产水平，从而推动农业现代化进程。在此背景下，研究数字普惠金融赋能农业全要素生产率提升具有重要意义。本文实证研究表明，数字普惠金融的发展对农业全要素生产率提升的正向作用明显。通过优化人力资本和提升技术创新在发挥赋能作用过程中承担了部分中介功能，对实证分析结论进行了进一步检验，避免了内生性，确保了稳健性，分维度回归的结果表明覆盖广度的贡献率高于使用深度和数字化程度。最后，从提高覆盖广度、提升农业资源利用效率以及重视人力资本方面提出对策建议。

Abstract: Agriculture is a basic industry in China, which plays a key role in the modernization transformation and rural revitalization strategy. At present, our country is facing the problems such as agricultural development lag, rural construction lag and slow growth of farmers’ income. In order to effectively solve these problems, it is of great significance to solve these problems effectively, accelerate the process of agricultural modernization, and improve agricultural total factor productivity. With the rapid development of digital information technology, digital technology has expanded the field of financial services, improved financial efficiency, made agricultural financing more convenient and fast, effectively helped farmers improve their production level, and thus promoted the process of agricultural modernization. In this context, it is of great significance to study how digital inclusive finance improves agricultural TFP. The empirical study in this paper shows that the development of digital inclusive finance has a significant positive effect on the improvement of agricultural total factor productivity. By optimizing human capital and enhancing technological innovation to assume part of the intermediary function in the process of playing the enabling role, the empirical analysis conclusions are further tested to avoid endogeneity and ensure robustness. Finally, countermeasures and suggestions are put forward from the aspects of improving the coverage breadth, improving the utilization efficiency of agricultural resources, and paying attention to human capital.