金融学院知识库

  中共中央、国务院发布的《关于做好2023年全面推进乡村振兴重点工作的意见》，突出强调了农业发展、农业现代化、产业高质量发展对乡村振兴与农民收入增长的重要性。而乡村振兴目标的实现需要建立在现代农业基础之上，农业机械化则能够为乡村振兴与现代农业发展提供重要动力，也是最能有效提高农民劳作效率、减少农民劳动时间与成本的重要途径。数字普惠金融利用大数据和金融科技，将金融服务普及到农村居民生产生活中，使得农民能够通过金融服务有效提升农业生产的机械化水平，实现农民收入的进一步增长。

  本文基于此研究背景，系统综述了有关于数字普惠金融、农业机械化与农民收入增长的相关文献，对研究内容、研究目的、研究方式与设计路线进行归纳，选择数字普惠金融作为核心解释变量，农业机械化为中介变量，农民收入为被解释变量，以全国289个地级市为研究对象，选取2014年—2020年的数据，分析数字普惠金融的发展水平，以及农业机械化、农民收入水平，进而研究数字普惠金融对农业机械化、农民收入增长的作用与影响，并在此基础上进行中介效应分析与区域异质性分析。

  本文通过理论分析与实证研究发现，数字普惠金融的发展可以直接促进农民收入的增长，也可以通过促进农业机械化水平提升间接地促进农民收入的增长，且直接效应的显著性高于间接效应；同时，数字普惠金融对农民收入增长的作用效果在不同区域上还存在差异，研究发现：数字普惠金融对农民收入增长的效果在我国东部地区最为显著，其次为我国中部地区，西部地区作用效果最弱。最后，本文针对以上研究结果进行可能的原因分析，从而提出相关对策与建议，为我国各地区实现乡村振兴与农民增收、提供一定的实践借鉴。

  The "Opinions on Doing a Good Job in the Key Work of Comprehensively Promoting Rural Revitalization in 2023" issued by the Central Committee of the Communist Party of China and the State Council highlights the importance of agricultural development, agricultural modernization, and high-quality industrial development for rural revitalization and farmers' income growth. The realization of the goal of rural revitalization needs to be based on modern agriculture. Mechanised agriculture can provide an important driving force for rural revitalization and modern agricultural development, and it is also the most effective way to improve farmers' labor efficiency and reduce farmers' labor time and cost. Digital Financial inclusion uses Big data and financial technology to popularize financial services to the production and life of rural residents, so that farmers can effectively improve the mechanization level of agricultural production through financial services and achieve further growth of farmers' income.

  Based on this research background, this paper Systematic review the relevant literature on digital Financial inclusion, Mechanised agriculture and farmers' income growth, summarizes the research content, research purpose, research methods and design routes, selects digital Financial inclusion as the core explanatory variable, Mechanised agriculture as the intermediary variable, and farmers' income as the explanatory variable. Taking 289 Prefecture-level city across the country as the research objects, this paper selects data from 2014 to 2020, Analyze the development level of digital Financial inclusion, as well as Mechanised agriculture and farmers' income level, and then study the role and impact of digital Financial inclusion on Mechanised agriculture and farmers' income growth. On this basis, conduct Mesomeric effect analysis and regional heterogeneity analysis.

  Through theoretical analysis and empirical research, this paper finds that the development of digital Financial inclusion can directly promote the growth of farmers' income, and can also indirectly promote the growth of farmers' income by promoting the level of Mechanised agriculture, and the significance of the direct effect is higher than the indirect effect; At the same time, the effect of digital Financial inclusion on farmers' income growth is different in different regions. The study finds that the effect of digital Financial inclusion on farmers' income growth is most significant in eastern China, followed by central China, and the effect is weakest in western China. Finally, this article analyzes the possible reasons for the above research results, and proposes relevant countermeasures and suggestions, providing practical reference for achieving rural revitalization and increasing farmers' income in various regions of China.