数字普惠金融对农户农业社会化服务采纳的影响

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中图分类号：F323.3 文献标识码：A doi：10.3969/j.issn.1672-2272.202511093

Abstract：Building an agricultural socialized service system for smallholder farmers and enhancing their adoption of such services are key to integrating smallholders into modern agricultural development. Based on the Peking University Digital Inclusive Finance Index and the China Family Panel Studies， this study constructs a panel dataset covering the years of 2014，2016，2018，and 202o.Using fixedeffects models，mediation analysis，and heterogeneity tests，it empirically examines the impact of digital inclusive finance on farmers’adoption of agricultural socialized services.Empirical results indicate that digital inclusive finance has a significant positive effect on both farmers’service demand and adoption behavior.The findings show that digital inclusive finance promotes service adoption by aleviating the financial constraints of both farmers and service providers，thereby influencing the supply and demand of such services.Mediation analysis further reveals that digital inclusive finance also promotes adoption by increasing service supply，which enhances service accessibility and satisfaction. Heterogeneity analysis demonstrates that this effect is more pronounced among farmers in western regions，low-income households，and areas with higher levels of government fiscal support for agriculture.Based on these conclusions，it is recommended to deepen financial system development，focus on key areas of agricultural growth，cultivate service supply entities，and strengthen support for priority regions. These measures will improve the inclusiveness and effectiveness of the agricultural socialized service system，thereby enabling smallholders to better integrate into modern agriculture.

Keywords：digital inclusive finance；agricultural socialized services；farmer adoption behavior

0 引言

在"大国小农"的基本国情下，如何通过发展农业社会化服务，助力小农户融人现代农业，已成为党中央和政府高度重视的问题。（剩余9848字）