Digital inclusive finance and the construction of agricultural modernization

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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