电商赋能视角下数字普惠金融促进农民增收的机理与路径研究——以安徽省为例

Research on the Mechanism and Pathway of Digital Inclusive Finance in Promoting Farmers’ Income Increase from the Perspective of E-Commerce Empowerment

摘要: 数字普惠金融的纵深发展为摆脱农村金融排斥困境提供了新路径，而电子商务的崛起则为农产品上行与农村消费市场激活注入了新动能。在全面推进乡村振兴的战略背景下，探究二者协同作用对农民收入的影响机制具有重要的理论价值与现实意义。本文以安徽省为研究对象，从电商赋能的视角切入，系统梳理了数字普惠金融与农村电商发展的融合机理。文章深入分析了数字普惠金融如何通过缓解信贷约束、降低交易成本、优化风险配置等途径，依托电商平台这一载体，发挥促进农民增收的作用。研究表明，数字普惠金融与农村电商并非简单的平行关系，而是通过资本形成、产业集聚及信息外溢等渠道深度融合。针对安徽省南北区域差异及农产品上行的关键制约因素，本文提出了完善农村数字基础设施、创新“金融 + 电商”供应链产品、培育新农人主体等政策建议，以期为数字经济时代中部省份农民增收提供决策参考。

Abstract: The in-depth development of digital inclusive finance has provided a new pathway to address the dilemma of rural financial exclusion, while the rise of e-commerce has injected new momentum into the upward mobility of agricultural products and the activation of rural consumer markets. Against the strategic backdrop of comprehensively promoting rural revitalization, exploring the mechanism through which the synergistic effect of these two forces influences farmers’ income holds significant theoretical value and practical relevance. Taking Anhui Province as the research object and starting from the perspective of e-commerce empowerment, this paper systematically reviews the integration mechanism between digital inclusive finance and rural e-commerce development. It conducts an in-depth analysis of how digital inclusive finance, by alleviating credit constraints, reducing transaction costs, and optimizing risk allocation, leverages e-commerce platforms as a vehicle to play a role in increasing farmers’ income. The research indicates that the relationship between digital inclusive finance and rural e-commerce is not merely parallel; instead, they are deeply integrated through channels such as capital formation, industrial agglomeration, and information spillover. Addressing the regional disparities between the north and south of Anhui Province and the key constraints on the upward mobility of agricultural products, this paper proposes policy recommendations, including improving rural digital infrastructure, innovating “finance + e-commerce” supply chain products, and cultivating new-type agricultural business entities, aiming to provide a decision-making reference for increasing farmers’ income in central provinces in the era of the digital economy.