Digital inclusive finance and the construction of agricultural modernization

IF 4.8 2区经济学 Q1 BUSINESS, FINANCE

International Review of Economics & Finance Pub Date : 2025-06-26 DOI:10.1016/j.iref.2025.104332

Xintong Fu, Chunjuan Guo

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Abstract

Agriculture serves as the foundation of civilization and a critical engine for structural transformation in developing countries. Drawing on annual data from 31 Chinese provinces spanning the period from 2011 to 2022, this study finds that digital inclusive finance significantly contributes to the advancement of agricultural modernization. Mechanism tests indicate that digital inclusive finance promotes agricultural modernization by fostering urban-rural integration and enhancing the level of informatization. Heterogeneity analysis further reveals that the positive impact of digital inclusive finance on agricultural modernization is more pronounced in regions with wider urban-rural income disparities and higher levels of human capital. This paper underscores the pivotal role of digital inclusive finance in advancing agricultural modernization and offers clear policy pathways for practitioners. The findings provide valuable theoretical support and policy insights for developing countries seeking to achieve sustainable agricultural development and structural economic transformation.

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数字普惠金融与农业现代化建设

农业是文明的基础，是发展中国家结构转型的重要引擎。利用2011年至2022年中国31个省份的年度数据，本研究发现数字普惠金融对农业现代化的推进具有显著贡献。机制测试表明，数字普惠金融通过促进城乡一体化和提高信息化水平来促进农业现代化。异质性分析进一步揭示，在城乡收入差距较大、人力资本水平较高的地区，数字普惠金融对农业现代化的积极影响更为显著。本文强调了数字普惠金融在推进农业现代化中的关键作用，并为从业者提供了明确的政策路径。研究结果为寻求实现农业可持续发展和经济结构转型的发展中国家提供了宝贵的理论支持和政策见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Review of Economics & Finance Multiple-

CiteScore

7.30

自引率

2.20%

发文量

253

期刊介绍： The International Review of Economics & Finance (IREF) is a scholarly journal devoted to the publication of high quality theoretical and empirical articles in all areas of international economics, macroeconomics and financial economics. Contributions that facilitate the communications between the real and the financial sectors of the economy are of particular interest.