数字普惠金融与新型农业经营主体经济韧性:赋能还是负能?OA北大核心CSTPCD

To solve the problems of financing difficulty,high risk and low stability commonly existed in new agricultural operators,based on the survey data of 1 021 new agricultural operators in 9 provinces(including autonomous regions),the entropy method is taken to measure the economic resilience of new agricultural operators,and the inclusive effect of digital finance is studied.The results show that:1)The economic resilience of new agricultural operators is generally weak,and there are significant differences in the economic resilience of different types of new agricultural operators.2)Digital inclusive finance empowers the economic resilience of new agricultural operators by promoting vertical diversification and financing stability,while also improving the level of horizontal diversification and enable negative energy on the economic resilience of new agricultural operators.3)There is a threshold effect on the empowerment effect of digital inclusive finance on the economic resilience of new agricultural operators of different business types.When the operation scale of new agricultural operators exceeds the threshold value,the empowerment effect of digital inclusive finance on the economic resilience of new agricultural operators will be significantly reduced.Therefore,optimizing the digital inclusive financial products,strengthening the construction of digital inclusive finance in financial institutions,accurately positioning the audience of digital inclusive finance,during comprehensively enhancing the economic resilience of new agricultural operators in this study.