摘要
县域是经济发展的基本单元，发展壮大县域经济的有效路径之一是加快培育特色优质产业。农村产业融合发展能够通过多元要素的有机整合，推动形成兼具地域标识性、创新驱动性、业态复合性以及协同共享性的现代乡村产业体系，为乡村特色产业发展构建良性生态基础。要促进农村产业的融合，离不开金融赋能。数字普惠金融因其特有优势，具有服务农村产业融合的天然适配性。它摆脱了传统金融服务门槛及成本过高的困境，不仅能够有效缓解新型农业经营主体等长尾客户群体的融资难题，更通过数字技术推动了农村金融服务质效的全面提升，有效降低了农村产业链各环节的融资门槛，以数字化手段精准灌溉资金流，推动农业与二三产业的融合，加速了农村产业转型升级和价值链提升。
西北地区作为西部大开发的核心区域，凭借能源资源禀赋与生态战略地位，其县域经济通过打造特色产业集群对西部地区形成显著辐射效应。本文聚焦数字普惠金融与农村产业融合的内在关联，选取2014-2022年中国西北地区县域面板数据，实证检验数字普惠金融对西北农村产业融合的驱动效应，并系统解析其作用机制。研究结果表明：第一，数字普惠金融水平与西北县域农村产业融合度之间存在显著的正向关联。数字普惠金融凭借便捷的支付体系、多元化的信贷供给以及精准的风险管控，显著拓宽了农村产业的融资渠道，降低了交易成本，有效激发了西北农村产业融合发展的活力。第二，机制方面，通过激发农村主体创业活力，提升传统金融竞争水平，完善数字基础设施建设，数字普惠金融能够进一步促进西北农村产业融合。第三，异质性方面，对于城镇化水平较低的县域，数字普惠金融赋能农村产业融合的效果更佳。基于以上实证结果，本文提出针对性政策建议。第一，夯实数字普惠金融基础设施建设；第二，激活传统金融机构服务效能，构建多层次金融支持体系；第三，多措并举提升农村创业活跃度；第四，因地制宜创新金融产品。综之，本文的研究能够为推动西北县域数字普惠金融发展提供现实依据，为西北地区巩固脱贫攻坚成果、实现共同富裕提供实践参考。
Abstract
Counties serve as the fundamental units of economic development, and one effective path to strengthen county-level economies is to accelerate the cultivation of distinctive and high-quality industries. The integrated development of rural industries can promote the formation of a modern rural industrial system with regional identity, innovation-driven characteristics, composite business forms, and collaborative sharing through the organic integration of multiple elements, thereby constructing a benign ecological foundation for the development of rural characteristic industries. Promoting the integration of rural industries is inseparable from financial empowerment. Thanks to its unique advantages, digital inclusive finance has a natural adaptability to serving the integrated development of rural industries. It breaks free from the dilemmas of high thresholds and costs in traditional financial services, not only effectively alleviating the financing difficulties of long-tail customer groups such as new agricultural business entities, but also comprehensively improving the quality and efficiency of rural financial services through digital technologies. This effectively lowers the financing thresholds for all links in rural industrial chains, accurately channeling capital flows through digital means, promoting the integration of agriculture with secondary and tertiary industries, and accelerating the transformation and upgrading of rural industries as well as the enhancement of value chains.
As the core region of the Western Development Strategy, the northwest region, by virtue of its energy resource endowments and ecological strategic status, has seen its county-level economies form a significant radiation effect on the western region through the creation of characteristic industrial clusters. This paper focuses on the internal relationship between digital inclusive finance and rural industrial integration, selects county-level panel data from China's northwest region from 2014 to 2022, empirically examines the driving effect of digital inclusive finance on rural industrial integration in the northwest, and systematically analyzes its action mechanisms. The research results show: First, there is a significant positive correlation between the level of digital inclusive finance and the degree of rural industrial integration in northwest counties. Relying on a convenient payment system, diversified credit supply, and precise risk management, digital inclusive finance has significantly broadened the financing channels for rural industries, reduced transaction costs, and effectively stimulated the vitality of rural industrial integration and development in the northwest. Second, in terms of mechanisms, digital inclusive finance can further promote rural industrial integration in the northwest by stimulating the entrepreneurial vitality of rural subjects, enhancing the competitive level of traditional finance, and improving digital infrastructure construction. Third, in terms of heterogeneity, digital inclusive finance has a better effect in empowering rural industrial integration in counties with lower levels of urbanization. Based on these empirical results, this paper puts forward targeted policy recommendations: First, consolidate the infrastructure construction of digital inclusive finance; second, activate the service efficiency of traditional financial institutions and build a multi-level financial support system; third, adopt multiple measures to enhance rural entrepreneurial activity; fourth, innovate financial products according to local conditions. In summary, the research in this paper can provide a practical basis for promoting the development of digital inclusive finance in northwest counties and offer practical references for the northwest region to consolidate poverty alleviation achievements and achieve common prosperity.