Liu Guibo, Gong Xiaoxian, Wang Guandong
School of Economics, Shandong Women's University, Jinan, Shandong, China.
School of Accountancy, Shandong Technology and Business University, Yantai, Shandong, China.
PLoS One. 2025 Jun 23;20(6):e0324815. doi: 10.1371/journal.pone.0324815. eCollection 2025.
From the perspective of agricultural industrialization, based on China's provincial data from 2006 to 2022, it studies the impact of financial inclusion on farmers' income. We have found that financial inclusion can effectively promote the growth of farmers' income, and this effect shows the heterogeneity of different income structures, income levels, and regional types. More importantly, agricultural industrialization is an important mechanism for financial inclusion to promote farmers' income growth. However, the interactive effect of financial inclusion and agricultural industrialization has not promoted the growth of farmers' income, indicating that there are certain structural problems in the current development of financial inclusion. We suggest that the development of financial inclusion should aim at the agricultural industrialization based on division of labor and cooperation. It can focus on supporting the development of local leading industries with regional comparative advantages, guide farmers to enter the agricultural industry chain, and improve farmers' opportunities to share economic results.
从农业产业化的角度出发，基于2006年至2022年中国省级数据，研究普惠金融对农民收入的影响。我们发现，普惠金融能够有效促进农民收入增长，且这种效应呈现出不同收入结构、收入水平和区域类型的异质性。更重要的是，农业产业化是普惠金融促进农民收入增长的重要机制。然而，普惠金融与农业产业化的交互作用并未促进农民收入增长，这表明当前普惠金融发展存在一定的结构性问题。我们建议，普惠金融的发展应以分工协作的农业产业化为导向。可以重点支持具有区域比较优势的地方主导产业发展，引导农民进入农业产业链，提高农民分享经济成果的机会。
