湖南财政经济学院学报

农村产业融合是我国实现乡村振兴和农业农村现代化的重要途径。而数字普惠金融依托数字技术，以其低成本、广覆盖、低风险、高效便捷等独特优势，为农村产业融合的发展提供了新动力。深入研究普惠金融对农村产业融合的影响效应，对于解决农村产业融合发展面临的金融问题具有重大意义。基于2011—2021年30个省级面板数据构建模型，从农户创业活跃度视角，探讨数字普惠金融对农村产业融合的影响效应。结果表明：其一，数字普惠金融能够有效推动农村产业融合；其二，数字普惠金融对农村产业融合的影响在一定程度上呈现出区域异质性、产业融合异质性和结构异质性的特征；其三，数字普惠金融能够通过提升农户创业的活跃度，进而推动农村产业融合。

The integration of rural industries is an important way for China to achieve rural revitalization and ultimately realize the modernization of agriculture and rural areas. Digital inclusive finance, relying on digital technology, provides new impetus for the development of rural industrial integration with its unique advantages such as low cost, wide coverage, low risk, and high efficiency and convenience. An in-depth study of the impact of inclusive finance on the integration of rural industries is of great significance for solving the financial problems faced by the integrated development of rural industries. Based on this, the paper uses 30 provincial panel data from 2011 to 2021 to construct a model and explores the impact of digital inclusive finance on rural industrial integration from the perspective of farmers' entrepreneurial activity. The results show that: First, digital inclusive finance can effectively promote the integration of rural industries; Second, the impact of digital inclusive finance on rural industrial integration to a certain extent shows the characteristics of regional heterogeneity, industrial integration heterogeneity and structural heterogeneity. Digital inclusive finance can promote the integration of rural industries by enhancing the entrepreneurial activity of farmers.