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数字普惠金融与新型农业经营主体经济韧性:赋能还是负能?
李梦琪1,柯雪龙2,康宽1,郭沛1*
0
(1.中国农业大学 经济管理学院,北京 100083;2.中国农业大学 人文与发展学院,北京 100193)
摘要:
为破解新型农业经营主体普遍存在的融资难、风险大及稳定性低等难题,基于全国9省(自治区)1 021个新型农业经营主体调研数据,采用熵值法测度新农主体经济韧性,并对数字金融的普惠效应展开研究。结果表明:1)新农主体经济韧性普遍较弱,不同类型新农主体经济韧性存在显著差异。2)数字普惠金融通过促进纵向多元化经营和融资稳定性赋能新农主体经济韧性的同时,也会提升横向多元化经营水平,负能新农主体经济韧性。3)数字普惠金融对不同经营类型新农主体经济韧性的“赋能”作用存在门槛效应,当新农主体经营规模跨越门槛值后,数字普惠金融对新农主体经济韧性的“赋能”作用将明显降低。因此,在提升新农主体经济韧性过程中,本研究建议应优化数字普惠金融产品、强化金融机构数字普惠金融建设、准确定位数字普惠金融受众群体。
关键词:  新型农业经营主体  经济韧性  数字普惠金融  门槛效应  农地规模效应
DOI:10.11841/j.issn.1007-4333.2024.04.04
投稿时间:2023-08-10
基金项目:世界银行中国经济改革促进与能力加强技术援助项目(TCC6)子项目(202007211110159);国家社会科学基金青年项目(22CSH036);国家留学基金委(202306350115)
Digital inclusive finance and economic resilience of new agricultural operators: Empowerment or negative energy?
LI Mengqi1, KE Xuelong2, KANG Kuan1, GUO Pei1*
(1.College of Economics and Management, China Agricultural University, Beijing 100083, China;2.College of Humanities and Development Studies, China Agricultural University, Beijing 100193, China)
Abstract:
To solve the problems of financing difficulty, high risk and low stability commonly existed in new agricultural operators, based on the survey data of 1 021 new agricultural operators in 9 provinces (including autonomous regions), the entropy method is taken to measure the economic resilience of new agricultural operators, and the inclusive effect of digital finance is studied. The results show that: 1) The economic resilience of new agricultural operators is generally weak, and there are significant differences in the economic resilience of different types of new agricultural operators. 2) Digital inclusive finance empowers the economic resilience of new agricultural operators by promoting vertical diversification and financing stability, while also improving the level of horizontal diversification and enable negative energy on the economic resilience of new agricultural operators. 3) There is a threshold effect on the empowerment effect of digital inclusive finance on the economic resilience of new agricultural operators of different business types. When the operation scale of new agricultural operators exceeds the threshold value, the empowerment effect of digital inclusive finance on the economic resilience of new agricultural operators will be significantly reduced. Therefore, optimizing the digital inclusive financial products, strengthening the construction of digital inclusive finance in financial institutions, accurately positioning the audience of digital inclusive finance, during comprehensively enhancing the economic resilience of new agricultural operators in this study.
Key words:  new agricultural operators  economic resilience  digital inclusive finance  threshold model  agricultural land scale effect