金融学院知识库

摘要
农业发展是实现社会主义现代化的重要基石，对于满足民众需求、推动高质 量发展以及加强国家安全都具有不可或缺的作用。党的二十大报告再次强调乡村 振兴战略的重要性，这也为乡村产业振兴指明了方向。在新时代背景下，乡村产 业振兴不仅是经济发展的内在要求，更是实现乡村振兴战略的关键一环。它涉及 到农村经济结构的优化、农民生活质量提升、农村生态环境的改善等多个方面， 是推动农村全面进步和农民全面发展的应有之义。然而，我国西部地区的农业发 展仍面临生态环境压力大、耕地资源稀缺、供求关系失衡等的问题，以往需要消 耗自然资源、依靠农资投入、破坏生态环境的粗放型农业发展模式已难以适应当 下的发展需求，加快转变我国西部地区农业发展模式是目前的当务之急。同时， 数字普惠金融的兴起与发展也为乡村产业振兴注入了新动力。将数字普惠金融运 用在乡村产业振兴发展的过程中，金融服务的应用场景日益拓宽，农民获取金融 服务的门槛不断降低，这不仅是面对新形势新变化的必然要求，更是加速农业结 构调整、促进农民增收、推进农业现代化的必由之路。
本文先对数字普惠金融以及乡村产业振兴进行了国内外的文献研读，梳理了 数字普惠金融和乡村产业振兴的定义，并且分析了两者之间的影响机制。并利用 2012-2021 年间西部地区各省(市、区)的相关数据，通过基准回归模型，分析 数字普惠金融和乡村产业振兴之间的线性关系，并将城市化率作为门槛变量，深 入探究二者是否存在潜在的非线性关系，研究结果显示，数字普惠金融在助力我 国西部地区乡村产业振兴方面具有显著影响。并且这种影响在西南地区相较于西 北地区更为显著。此外，二者关系并非线性，而是存在单一门槛效应。基于以上 发现，研究提出了针对我国西部地区的几点对策建议:第一，加大数字普惠金融 宣传力度，完善金融基础设施;第二，创新金融产品，拓宽数字普惠金融服务范 围;第三，因地制宜，制定差异化数字普惠金融政策;第四，优化人才策略，推 动数字普惠金融适老化;第五，加强数字普惠金融风险管理，优化农村信用体系。

Abstract
Agricultural development is an important cornerstone for achieving socialist modernization, playing an indispensable role in meeting people's needs, promoting high-quality development, and strengthening national security. The report of the 20th National Congress of the Communist Party of China once again emphasizes the importance of the rural revitalization strategy, which also points out the direction for the revitalization of rural industries. In the context of the new era, the revitalization of rural industries is not only an inherent requirement of economic development but also a key link in realizing the rural revitalization strategy. It involves the optimization of rural economic structure, the increase of farmers' income, the improvement of rural ecological environment, and other aspects, and is the only way to promote the comprehensive progress of rural areas and the comprehensive development of farmers. However, agricultural development in western China still faces issues such as significant ecological and environmental pressure, scarce cultivated land resources, and an imbalanced supply-demand relationship. The previous extensive agricultural development model, which consumed natural resources, relied on agricultural input, and damaged the ecological environment, has become difficult to adapt to current development needs. Accelerating the transformation of the agricultural development model in western China is currently a top priority. Meanwhile, the rise and development of digital inclusive finance have also injected new impetus into the revitalization of rural industries. By applying digital inclusive finance in the process of rural industrial revitalization, the application scenarios of financial services have been increasingly expanded, and the threshold for farmers to obtain financial services has been continuously lowered. This is not only an inevitable requirement in the face of new situations and changes but also the only way to accelerate agricultural structural adjustment, promote farmers' income growth, and advance agricultural modernization.
This article first conducts a literature review on digital inclusive finance and rural industrial revitalization both domestically and internationally, clarifies the definitions of digital inclusive finance and rural industrial revitalization, and analyzes the impact mechanism between the two. Using relevant data from provinces (cities, districts) in the western region from 2012 to 2021, the study analyzes the linear relationship between digital inclusive finance and rural industrial revitalization through a benchmark regression model. Additionally, it explores whether there is a potential nonlinear relationship between the two by using the urbanization rate as a threshold variable. The research results show that digital inclusive finance has a significant impact on promoting rural industrial revitalization in western China. This impact is more significant in southwestern regions compared to northwestern regions. Furthermore, the relationship between the two is not linear but exhibits a single threshold effect. Based on these findings, the study proposes several countermeasures and suggestions for western China: Firstly, increase publicity efforts for digital inclusive finance and improve financial infrastructure; Secondly, innovate financial products and expand the scope of digital inclusive financial services; Thirdly, formulate differentiated digital inclusive finance policies based on local conditions; Fourthly, optimize talent strategies and promote the adaptation of digital inclusive finance to an aging population; Fifthly, strengthen risk management in digital inclusive finance and optimize the rural credit system.