数字金融赋能乡村振兴的影响与机制研究

——基于新质生产力视角

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中图分类号：F49；F832；F323 文献标识码：A doi：10.3969/j.issn.1672-2272.202512055

Research on the Impact and Mechanism of Digital Finance Empowering Rural Revitalization： From the Perspective of New-Quality Productive Forces

Wang Di1 ，Chen Yongtang²，Zhang Boran1 （1.School of Business Administration，Northeastern University，Shenyang 110167，China; 2.School of Economics，Northeastern University at Qinhuangdao，Qinhuangdao O66o04，China）

Abstract：Digital finance，with its advantages of broad coverage and low cost，effectively overcomes the reliance of traditional finance on physical branches and has become a vital engine driving rural revitalization.Based on panel data from provinces in China spanning from 2O12 to 2022，this paper employs thefixed effects model and the mediating effect model to deeply analyze the impact and transmission mechanisms of digital finance on rural revitalization.The findings indicate that：Digital finance significantly empowers the development of rural revitalization，and this conclusion remains robust after a series of robustness tests. Mechanism tests reveal that fostering new quality productive forces and stimulating rural entrepreneurial vitality are two key mediating paths through which digital finance promotes rural revitalization.Heterogeneity analysis shows that digital finance exhibits significant features of " inclusiveness" and "weaknes-filing"（complementing shortcomings），with its promoting effect being more prominent in regions with lower levels of agricultural digitalization and in the central and western regions.This study clarifies the functional mechanism of digital finance from the perspective of new quality productive forces and provides empirical evidence for formulating diferentiated financial support policies for rural revitalization.

Keywords：digital finance；rural revitalization；new-quality productive forces

0 引言

党的二十大报告着重强调了乡村振兴的意义，乡村振兴战略已经成为我国当前全面推进的一项重要战略，且被纳入构建新发展格局的整体架构之中。（剩余14124字）