数字普惠金融对农村产业融合的影响研究

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中图分类号：F49;F832;F323 文献标识码：A doi：10.3969/j.issn.1672-2272.202512051

Abstract：The integration of rural industries is a core path to realizing rural revitalization and agricultural modernization. As an emerging financial format，digital inclusive finance provides new momentum for overcoming the "financial repression" faced by rural industrial convergence. Based on panel data from 287 prefecture-level cities in China from 2O11 to 2O23，this paper constructs an evaluation index system for the level of rural industrial convergence and empirically investigates the impact effects and mechanisms of digital inclusive finance on rural industrial convergence. The research findings indicate that：The development of digital inclusive finance significantly promotes the level of rural industrial convergence. This conclusion remains valid after addressing endogeneity issues and conducting a series of robustness tests.Mechanism tests demonstrate that enhancing the level of agricultural technological innovation and stimulating rural entrepreneurial vitality are two pivotal channels through which digital inclusive finance drives rural industrial convergence. Heterogeneity analysis reveals that the promoting effect of digital inclusive finance is significantly more pronounced in the eastern region，whereas it has not yet manifested in the central and western regions.From the perspective of sub-dimensions，the usage depth and digitization level of digital finance play the primary driving roles，while the impact of coverage breadth is not yet significant. The conclusions of this paper provide empirical evidence and decision-making references for depening financial supply-side structural reform and formulating differentiated digital finance policies to boost rural industrial revitalization.

Keywords：digital inclusive finance；rural industrial convergence；agricultural technological innovation entrepreneurial vitality

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“三农"问题始终是关系我国国计民生的根本性问题。（剩余12880字）