【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。更多还原

【Abstract】 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.更多还原