Assessing the Impact of Digital Inclusive Finance on Agricultural Green Resilience: Evidence from China

Green and resilient agriculture can strike a balance between agricultural production and ecological conservation, ensuring a continuous and stable supply of food and agricultural products. Based on provincial panel data from 31 provinces in China during 2014–2023, this study constructs an evaluation system for agricultural green resilience and employs the fixed-effects model, mediation effect model, and spatial Durbin model to empirically examine the impact mechanism and spatial effects of digital inclusive finance on agricultural green resilience. The main findings are as follows: (1) Digital inclusive finance significantly enhances agricultural green resilience. (2) Agricultural technological innovation plays a mediating role in the relationship between digital inclusive finance and agricultural green resilience. (3) Digital inclusive finance generates significant positive spatial spillover effects on agricultural green resilience, not only improving local agricultural green resilience but also promoting coordinated development in neighboring regions. (4) Regional heterogeneity analysis indicates that the promoting effect is strongest in the central region, followed by the western region, while no significant effect is observed in the eastern region. From the perspective of different dimensions, the effect intensity follows the order of coverage breadth, depth of use, and degree of digitalization. These findings suggest that digital inclusive finance serves as an important driver of agricultural green resilience and sustainable agricultural transformation in China. Therefore, policymakers should further expand digital financial inclusion, strengthen support for agricultural technological innovation, and promote coordinated regional development to enhance agricultural green resilience.