金融渗透、金融获得与农业产业化——来自湖南省87个县市的证据  

Financial Penetration,Credit Availability and Agricultural Industrialization——Evidence from 87 Counties and Cities of Hunan Province

作　　者：何婧[1] 蔡新怡 赵亚雄 HE Jing;CAI Xinyi;ZHAO Yaxiong(College of Finance and Statistic, Hunan University, Changsha, Hunan 410082, China)

机构地区：[1]湖南大学金融与统计学院,湖南长沙410082

出　　处：《财经理论与实践》2021年第2期12-19,共8页The Theory and Practice of Finance and Economics

基　　金：湖南省社会科学基金项目(18YBA073)。

摘　　要：在乡村振兴战略背景下,从普惠金融的渗透性和使用效用性两个维度入手,利用湖南省2010-2018年87个县市的面板数据,探究金融渗透、金融获得和农业产业化三者之间的作用机制。研究发现:金融渗透不仅能直接促进农业产业化发展,还能通过影响金融获得进而影响农业产业化发展,金融获得的中介效应大小为58.8%。金融获得对农业产业化的促进作用受到金融渗透单一门槛效应的影响;高金融渗透水平情况下,金融获得对于农业产业化发展的促进作用更强。Under the background of the rural revitalization strategy,the panel data of 87 counties and cities in Hunan province from 2010 to 2018 were used to explore the influence mechanism among financial penetration,credit availability and agricultural industrialization from two dimensions of inclusive finance,i.e.,financial penetration and financial utility.It is found that financial penetration can not only directly promote the development of agricultural industrialization,but also influence the development of agricultural industrialization by influencing credit availability,and the intermediary effect of credit availability is 58.8%.The promotion effect of credit availability on agricultural industrialization is influenced by the single double threshold effect of financial penetration.And under the condition of high level of financial penetration,credit availability plays a stronger role in promoting the development of agricultural industrialization.

关 键 词：金融渗透 金融获得 农业产业化 中介效应 门槛效应 

分 类 号：F327[经济管理—产业经济] F832.7