金融学院知识库

推进农村产业融合发展，是实现农业现代化的有效途径。从2015年开始，国家就高度重视农村产业融合发展的问题，随后不断在相关文件中提出农村产业融合相关意见，农村产业融合发展是乡村振兴的基石，我国在未来必将随着乡村振兴战略的推进，从制度、经济、以及政策上全面支持农村产业融合发展。农村产业融合发展是国家根据当下我国农业发展情况以及未来发展大势所趋而提出的重要战略抉择。同时，数字普惠金融的兴起，与其他行业的快速发展，也给乡村产业的融合发展注入了新的活力，深化了农村金融体制的改革，扩大了金融服务的范围，降低了农民获取金融服务门槛。如何将数字普惠金融的优势发挥最大的效能，不仅是积极适应新形势的需要，更是加快农业结构调整、弥补农业现代化不足、提高农民收入水平的必然选择。

文章首先对数字普惠金融以及农村产业融合发展进行了国内外的文献研读以及梳理，理清了两者之间的概念界定以及相互作用关系，并且对当前我国农村产业融合发展水平的体系建设进行了总结归类，探究了数字普惠金融与农村产业融合发展之间的作用机制，提出了三个相应的假设。构建并测算出农村产业融合发展的指标，并以此为被解释变量，数字普惠金融为解释变量。构建基于数字普惠金融对产业融合影响的回归模型。对相关变量进行了描述性统计、相关性分析，在此基础上进行回归分析以及稳健性检验以此确保实证的准确性。同时进一步地将我国划分为东、中、西部三个地区进行区域异质性检验，以及数字普惠金融划分为使用深度、覆盖广度以及数字化程度三个维度进行结构异质性检验。

实证结果表明：数字普惠金融与农村产业融合的发展程度存在正相关的关系，数字普惠金融可以有效地推动农村产业融合。相较于东部地区和西部地区，数字普惠金融对中部地区的农村产业融合发展促进作用更加明显，并且在数字普惠金融的三个维度中使用深度对农村产业融合发展的促进作用最明显。最后通过对实证结果的分析，从深化数字普惠金融服务农村产业融合质量、推进农村地区数字化征信体系的建设以及因地制宜推动农村产业在东、中、西部地区融合发展三个方面提出相关政策建议。

Promoting the integrated development of rural industries is an effective way to achieve modernization of agriculture. Since 2015, the Chinese government has attached great importance to this issue and continually put forward opinions on the integration of rural industries in relevant documents. The development of integrated rural industries is the cornerstone of rural revitalization, and in the future, China will fully support its development from the perspectives of system, economy, and policy, as rural revitalization strategies advance. The development of integrated rural industries is an important strategic choice made by the country based on the current situation and future development trends of China's agriculture. At the same time, the rise of digital inclusive finance, along with the rapid development of other industries, has injected new vitality into the integration of rural industries and deepened the reform of the rural financial system. It has also expanded the scope of financial services and reduced the threshold for farmers to access financial services. How to maximize the effectiveness of digital inclusive finance is not only a need to adapt to the new situation but also an inevitable choice to accelerate agricultural structural adjustment, address the deficiencies in agricultural modernization, and improve farmers' income levels.

The article first conducts a literature review and analysis of both digital inclusive finance and the integrated development of rural industries at home and abroad. It clarifies the conceptual definition and interaction between the two, and summarizes the system construction of the current level of integrated rural industry development in China. It explores the mechanism of the interaction between digital inclusive finance and the integrated development of rural industries, and proposes three corresponding hypotheses. It constructs and calculates indicators for the development of integrated rural industries, using digital inclusive finance as the explanatory variable and integrated rural industry development as the explained variable. It then constructs a regression model based on the impact of digital inclusive finance on industry integration. Descriptive statistics and correlation analysis are carried out on the relevant variables. Regression analysis and robustness tests are conducted to ensure the accuracy of the empirical results. Furthermore, the article conducts regional heterogeneity tests by dividing China into three regions: east, central, and west, and structural heterogeneity tests by dividing digital inclusive finance into three dimensions: depth of use, breadth of coverage, and degree of digitization.

The empirical results indicate that there is a positive correlation between the development level of digital inclusive finance and the integrated development of rural industries, and that digital inclusive finance can effectively promote the integration of rural industries. Compared with the eastern and western regions, digital inclusive finance has a more significant promoting effect on the integrated development of rural industries in the central region. Additionally, the depth of use of digital inclusive finance has the most significant promoting effect on the development of integrated rural industries. Finally, based on the analysis of the empirical results, policy suggestions are proposed from three aspects: deepening the quality of digital inclusive finance services for integrated rural industry development, promoting the construction of digital credit systems in rural areas, and promoting the integrated development of rural industries in the eastern, central, and western regions based on local conditions.