Theoretical and Path Analysis of Empowering Rural Revitalization with Digital Inclusive Finance in China

在乡村振兴战略与数字经济深度融合的背景下，数字普惠金融通过技术赋能重构农村金融生态，成为破解城乡发展不平衡和促进乡村振兴发展的重要路径。本文基于2011~2022年中国30个省份面板数据，构建乡村振兴综合评价体系，运用计量模型探讨数字普惠金融对乡村振兴的影响特征。研究发现：数字普惠金融对乡村振兴具有显著正向驱动作用，既通过缓解农村融资约束、促进产业升级直接赋能，又借助缩小城乡收入差距形成间接传导效应；其促进作用在东部地区最强，中部次之，西部较弱，与区域数字基础设施、产业结构及金融生态差异密切相关；门槛效应分析显示，数字普惠金融对乡村振兴的边际效应随发展水平提升呈现递减规律。本文建议通过强化双路径协同、实施区域精准施策、分阶段优化政策工具等提升赋能实效。Against the background of the deep integration of the rural revitalization strategy and the digital economy, digital inclusive finance, through technological empowerment, reconstructs the rural financial ecosystem and has become an important path to solve the imbalance between urban and rural development and promote rural revitalization. Based on the panel data of 30 provinces in China from 2011 to 2022, this paper constructs a comprehensive evaluation system for rural revitalization and uses econometric models to explore the impact characteristics of digital inclusive finance on rural revitalization. The research finds that digital inclusive finance has a significant positive driving effect on rural revitalization. It not only directly empowers by alleviating rural financing constraints and promoting industrial upgrading, but also forms an indirect transmission effect by narrowing the income gap between urban and rural areas. Its promoting effect is the strongest in the eastern region, followed by the central region, and relatively weak in the western region, which is closely related to the differences in regional digital infrastructure, industrial structure and financial ecology. The threshold effect analysis shows that the marginal effect of digital inclusive finance on rural revitalization shows a decreasing trend as the development level increases. This article suggests enhancing the effectiveness of empowerment by strengthening the coordination of the dual paths, implementing precise regional policies, and optimizing policy tools in phases.