【摘要】 随着数字技术的迅猛发展，数字普惠金融逐渐成为推动农村经济发展的重要引擎。文章为探究数字普惠金融对西南地区农业资源利用的作用机制，构建了农业资源利用评价指标体系，选取2010—2023年西南地区（不含西藏地区）4个省的面板数据，采用了熵值法测算出农业资源综合利用指标，在此基础上，运用固定效应和中介效应模型，对数字普惠金融影响农业资源利用的效果进行实证分析。结果表明：数字普惠金融对西南地区农业资源利用水平产生显著的正向作用，并通过缩小经济发展差距间接影响农业资源利用。不同发展阶段异质性分析表明，资源利用效应呈“优化深化期>普及推广期>基础建设期”梯度特征且差异显著分化。因此，探讨数字普惠金融对西南地区农业资源利用的影响，不仅有助于优化农村金融资源配置，还能为乡村振兴战略的实施提供理论依据和政策参考。更多还原

【Abstract】 With the rapid development of digital technology,digital inclusive finance has gradually become an important engine for promoting rural economic development.To explore the mechanism by which digital inclusive finance affects agricultural resource utilization in the Southwest region,this paper constructs an evaluation index system for agricultural resource utilization,selects panel data from 4 provinces in the Southwest region(excluding Tibet) from 2010 to 2023,and uses the entropy method,fixed effects model and mediation effect model to conduct an empirical analysis of the impact of digital inclusive finance on agricultural resource utilization.The results show that digital inclusive finance has a significant positive impact on the level of agricultural resource utilization in the Southwest region,and indirectly improves the efficiency of resource utilization by narrowing the economic development gap.Heterogeneity analysis shows that the effect of resource utilization is better in the optimization and deepening period than in the basic construction period.Exploring the impact of digital inclusive finance on agricultural resource utilization in the Southwest region not only helps optimize the allocation of rural financial resources,but also provides theoretical and practical reference for the implementation of the rural revitalization strategy.更多还原