数字普惠金融赋能农业技术创新:内在机理与实证检验

Digital inclusive financial empowering agricultural technology innovation: internal mechanism and empirical testing

摘要:

数字技术与普惠金融的融合为农业技术创新提供了新动能。以2011—2021年省级面板数据为研究样本，系统地考察了数字普惠金融对农业技术创新的作用。结果发现:（1）数字普惠金融对农业技术创新存在显著的直接促进效应。（2）分维度看，该促进效应表现为覆盖广度＞使用深度＞数字化程度，且在我国东中部和创新要素投入水平较高的地区，数字普惠金融的农业技术创新效应更明显。（3）缓解农业融资约束和推动农村互联网发展是数字普惠金融间接促进农业技术创新的渠道。（4）农业融资约束和农村互联网发展均存在双重门槛效应，在越过对应门槛值后数字普惠金融对农业技术创新的促进作用进一步增强。（5）数字普惠金融在农业技术创新水平较低地区的作用效果更好，表现出“长尾效应”。

Abstract:

The integration of digital technology and inclusive finance provides new impetus for agricultural technology innovation. Taking the provincial panel data from 2011 to 2021 as the research sample, this paper systematically examines the role of digital inclusive finance in agricultural technology innovation. The results showed that: (1) Digital inclusive finance has a significant direct promoting effect on agricultural technology innovation. (2) From a multidimensional perspective, the promotion effect is manifested as coverage breadth>depth of use>degree of digitization, and the agricultural technology innovation effect of digital inclusive finance is more significant in the eastern and central regions of China and regions with higher levels of innovation factor investment. (3) Alleviating agricultural financing constraints and promoting rural Internet development are channels for digital inclusive finance to indirectly promote agricultural technology innovation. (4) Both agricultural financing constraints and rural Internet development have a dual threshold effect. After crossing the corresponding threshold, digital inclusive finance has further enhanced its role in promoting agricultural technology innovation. (5) The role of digital inclusive finance is better in areas with lower levels of agricultural technology innovation, exhibiting a "long tail effect".