农村普惠金融对农业产业化的影响研究

基于2006~2017年中国30个省级行政区的面板数据，运用空间计量模型和面板门槛模型分析农村普惠金融对农业产业化的空间效应和门槛效应，结果表明：农村普惠金融对农业产业化的提高有显著的空间溢出效应，经济发展水平、第一产业受教育年限、农业固定资产投资对农业产业化水平有正向促进作用。农村普惠金融对农业产业化的影响在不同权重矩阵下的直接渠道和间接渠道并存，且随经济发展水平的提高呈边际效应递增的特点。数字普惠金融对农业产业化的影响呈边际效应递减的趋势。

Research on the Impact of Rural Inclusive Finance on Agricultural Industrialization

Based on the analysis of the impact path of Inclusive Finance on agricultural industrialization, this paper uses the panel data of China's 30 provincial administrative regions from 2006 to 2017 to evaluate the development level of rural Inclusive Finance and agricultural industrialization in multiple dimensions. The results show that rural inclusive finance has a significant spatial spillover effect on the improvement of agricultural industrialization, and the level of economic development, the number of years of education in the primary industry, and agricultural fixed asset investment have a positive role in promoting the level of agricultural industrialization.The impact of rural inclusive finance on agricultural industrialization coexists in direct and indirect channels under different weight matrices, and it has a characteristic of increasing marginal effects as the level of economic development increases. The impact of digital financial inclusion on agricultural industrialization shows a trend of diminishing marginal effects.