SYNERGISTIC MECHANISMS BETWEEN DIGITAL INCLUSIVE FINANCE AND RURAL INDUSTRY REVITALIZATION

This study systematically reviews the synergistic mechanisms between digital inclusive finance and rural industry revitalization. Based on theories of industrial integration, total factor productivity, agricultural multifunctionality, and sustainable development, it constructs a theoretical framework for their coordinated development. First, it elucidates the connotations and characteristics of digital inclusive finance—coverage breadth, depth of use, and degree of digitalization—and analyzes the connotations, evaluation indicator system, and dynamic evolution pathways of rural industry revitalization. Second, it investigates the direct support mechanisms of digital inclusive finance—such as capital supply, risk management, and industrial upgrading—as well as its indirect pathways through promoting agricultural technological innovation and catalyzing industry integration, assessing their effects on rural industry revitalization; simultaneously, it analyzes the market demand, credit foundation, and technology application opportunities that rural industry revitalization provides for digital inclusive finance. Third, through case studies, it validates the effectiveness of various digital finance models in expanding industry scale, broadening channels, enhancing risk control, and increasing farmers’ incomes. Finally, it proposes policy recommendations to optimize the enabling environment, enhance service capacity, and deepen integration pathways—namely digitalized industry platforms, supply-chain finance, and farmer financial literacy enhancement—to offer theoretical guidance and practical reference for governments, financial institutions, and industry stakeholders in advancing rural revitalization.