数字金融对新型农业经营主体经济韧性的影响研究基于内蒙古自治区的经验证据

Research on the Impact of Digital Finance on the Economic Resilience of New Agricultural Business Entities: Based on Empirical Evidence from Inner Mongolia

  • 摘要: 随着可持续发展理念的全球性演进与内化,数字金融的加持已成为新型农业经营主体实现可持续发展的关键路径。为缓解制约新型农业经营主体发展的融资与稳定性困境,本文基于内蒙古自治区的实地调研数据,采用Tobit模型,实证检验数字金融对新型农业经营主体经济韧性产生的影响效果及作用路径。研究发现,数字金融对新型农业经营主体的经济韧性表现出显著的正向效应,缓解融资约束和增强技术支撑是影响效应中存在的机制路径。进一步分析表明,数字金融对新型农业经营主体经济韧性的影响存在规模异质性,大中型新型主体强于小微型新型主体;新型主体所处县域的数字普惠金融发展水平越高,数字金融对其经济韧性的赋能作用越强。基于研究结论,提出应强化新型农业经营主体对数字金融的创新应用能力,供给侧做实做细数字金融产品和服务,健全农业技术服务各类经营主体的长效机制。

     

    Abstract: With the global evolution and internalization of the concept of sustainable development, the support of digital finance has become a key path for new agricultural management entities to achieve sustainable development. To alleviate the financing and stability difficulties that constrain the development of new agricultural management entities, this article is based on field research data from Inner Mongolia and uses the Tobit model to empirically test the impact and path of digital finance on the economic resilience of new agricultural management entities. Research has found that digital finance has a significant positive effect on the economic resilience of new agricultural management entities, and alleviating financing constraints and enhancing technological support are the mechanism pathways that exist in the impact effects. Further analysis shows that there is scale heterogeneity in the impact of digital finance on the economic resilience of new agricultural management entities, with large and medium-sized new entities being stronger than small and micro new entities; The higher the level of development of digital inclusive finance in the county where the new entity is located, the stronger the empowering effect of digital finance on its economic resilience. Based on the research findings, it is proposed to strengthen the innovative application capability of new agricultural management entities in digital finance, implement and refine digital financial products and services on the supply side, and improve the long-term mechanism of agricultural technology services for various management entities.

     

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