| 数字普惠金融如何影响农村三产融合？——来自消费需求视角的实证分析 |
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| 引用本文：龙海明1，赵博唯1，俞璐瑶1，刘金月2.数字普惠金融如何影响农村三产融合？——来自消费需求视角的实证分析[J].财经理论与实践,2026,(3):10-19 |
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| 中文摘要:在数字经济发展与乡村振兴战略交织的背景下，数字普惠金融能否成为破解农村三产融合的新引擎，这不仅关系到农业多功能拓展与产业链协同的效率提升，更会直接影响我国农业农村现代化转型的实现进程。为此，基于我国2011—2023年30个省(区、市）的面板数据，实证检验数字普惠金融发展对农村三产融合的影响程度。研究显示：数字普惠金融发展对农村三产融合产生直接推动作用。通过释放农村居民有效消费需求促进消费升级，倒逼农业产业链向高附加值环节延伸；通过提高数字化程度，增强三产融合的边际效应。结果表明，将政策重心从生产端补贴转向消费端激励，是激活农村产业融合潜能的关键路径。鉴于此，应构建需求供给协同政策框架，强化数字金融工具与消费补贴、场景建设、流通升级等政策的精准匹配，将农村消费市场的潜在势能转化为产业融合发展的持久动力。 |
| 中文关键词:数字普惠金融 农村三产融合 消费需求 现代化转型 高质量发展 |
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| How Does Digital Inclusive Finance Affect Integration of Agriculture/Farmer-Related Three Sectors of Industries?—Empirical Evidence from the Perspective of Consumer Demand |
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| Abstract:Against the backdrop of the intertwined advancement of the digital economy and rural revitalization strategies, can digital inclusive finance serve as a new engine for unlocking the integration of Agriculture/Farmer-Related Three Sectors of Industries(IATI)? This question bears directly upon the efficiency of agricultural multifunctionality expansion and industrial chain synergies, as well as the transformational trajectory of agricultural and rural modernization in China. Drawing upon panel data covering 30 Chinese provinces autonomous regions, and municipalities from 2011 to 2023, this paper empirically examines the impact of digital inclusive finance on IATI. The findings indicate that:digital inclusive finance exerts a direct promoting effect on IATI;by unleashing effective consumption demand among rural residents and fostering consumption upgrading, it induces the agricultural industrial chain to extend toward higher value-added segments; by enhancing the degree of digitalization, it amplifies the marginal effects of IATI. On this basis, policy recommendations are proposed from the perspectives of constructing a coordinated demand-supply policy framework and strengthening the precise matching between digital financial instruments and consumption scenarios. |
| keywords:digital inclusive finance integration of agriculture/farmer-related three sectors of industries(IATI) consumer demand modernization transformation high-quality development |
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