关键词: 数字普惠金融, 乡村振兴, 农业农村现代化

Abstract: Rural revitalization is an important strategy to achieve Chinas modernization，can diversified digital inclusive financial services stimulate rural economic vitality and advance rural revitalization across the board? Based on data from 2015 to 2021 China Grassroots Governance Survey，China Household Finance Survey and Peking Universitys Digital Financial Inclusion CountyLevel Index，this paper explores the impact of digital inclusive finance on rural revitalization
The empirical results find that digital inclusive finance provides strong support for rural revitalization We conducted robustness tests by excluding special samples，lagging the explanatory variables，replacing the calculation method of the dependent variables，deleting outliers，and removing special year samples Heterogeneity analysis shows that among financial services，digital credit has the strongest effect in empowering rural revitalization Meanwhile，the role of digital inclusive finance is more significant in areas with a low degree of hollowing out and a high penetration rate of smartphones The mechanism analysis shows that digital inclusive finance boosts the development of rural revitalization by promoting the coordinated development of industrial ecology，bridging the digital divide，and alleviating income inequality
The marginal contributions of this study are as follows：First，we analyze the impact of digital financial inclusion on the comprehensive revitalization of rural industries，talents，culture，ecology and organizations，providing a more comprehensive perspective for understanding the dynamics of rural economy stimulated by digital financial inclusion Second，this paper constructs a micro data set that can reflect information on villages and digital financial development at the same time through the matching use of multiple databases such as the China Grassroots Governance Survey，and constructs rural revitalization evaluation indicators，which provides a guarantee for the accurate identification of the causal effect of digital inclusive finance and rural revitalization Third，this paper uses indicators such as the degree of coordination of industrial ecological coupling，access gap，knowledge gap，usage gap，and Podder index，focusing on the role of digital inclusive finance on the coordinated green development of rural areas，bridging the digital divide，and advancing the common wealth，which provides references to promote the convergence of digital inclusive finance and rural revitalization
This paper provides empirical evidence to examine the impact of digital inclusive finance on rural revitalization，and puts forward policy references for the government to promote rural revitalization and accelerate agricultural modernization

Key words: digital inclusive finance, rural revitalization, agricultural and rural modernization