世界农业

随着第三次科技革命在中国的不断深入，数字普惠金融在农村地区发挥着愈发重要的作用。本文将中国家庭追踪调查(CFPS)和数字普惠金融省级指数相匹配，采用Mlogit模型和面板门槛模型研究数字普惠金融对农村劳动力非农转移的影响及门槛特征。研究发现，相对于纯务农，数字普惠金融会增加农村劳动力兼业和纯务工的概率，且数字普惠金融对劳动力纯务工的边际影响显著为正，对纯务农显著为负。这表明数字普惠金融有助于农村劳动力非农转移。此外，数字普惠金融对农村劳动力非农转移的促进作用具有单一门槛效应。也就是说，随着数字普惠金融发展水平的提升，农村劳动力选择兼业和纯务工的概率增加；此外，数字普惠金融对不同年龄劳动力的非农转移均有促进作用，但对年龄较大的劳动力促进作用更大。本文的结论对加快数字普惠金融发展以引导农村富余劳动力非农转移，进而实现共同富裕提供政策参考。

With the development of the third scientific and technological revolution in China, the digital inclusive finance is playing more and more important role to the countryside.This paper matches the China Household Tracking Survey(CFPS) with the provincial index of digital inclusive finance, and uses the Mlogit model and panel threshold model to study the impact and threshold characteristics of digital inclusive finance on rural labor non-agricultural transfer.It finds that compared with pure farming, the digital inclusive finance will increase the probability of the non-agricultural transfer of rural labor force; the digital inclusive finance has a significant negative marginal impact on the choice of pure agriculture, a significant positive impact on pure workers, and not on part-time employment.The digital inclusive finance has a single threshold effect to the non-agricultural transfer of rural labor force.The higher the digital inclusive finance is,the probability of rural labor force choosing part-time and pure work is greater.In addition, the digital inclusive finance can promote the non-agricultural transfer of labor force of different ages, but it can promote the older labor force even more.The conclusion of this paper provides policy reference for accelerating the development of digital inclusive finance to guide the non-agricultural transfer of rural surplus labor force and realize common prosperity.