Based on data from 282 cities across China from 2015 to 2022,this study employs the HP fil-ter method to measure rural economic resilience and explores the impact of digital financial inclusion on rural economic resilience from the perspective of digital exclusion and its underlying mechanisms.The results indi-cate that rural economic resilience in China is generally weak,but digital financial inclusion can significantly enhance this resilience.Reducing digital usage exclusion,cognitive exclusion,and risk exclusion can improve the positive impact of digital financial inclusion on rural economic resilience.Further analyses reveal that the effects of digital exclusion vary across different groups.Mitigating usage and risk exclusion is crucial for enhancing the inclusive effects of digital finance in non-grain-producing areas with lower levels of agricultural scale,while alleviating cognitive exclusion is the primary means to strengthen the impact of digital financial inclusion on rural economic resilience in grain-producing areas with higher levels of agricultural scale.There-fore,to achieve sustainable and high-quality development of the rural economy,it is recommended to build an accessible,user-friendly and widely beneficial rural digital financial service system,oriented towards allevia-ting digital exclusion in rural areas and tailored to the characteristics of the agricultural industry.
关键词
数字普惠金融/乡村经济韧性/数字排斥
Key words
digital financial inclusion/rural economic resilience/digital exclusion
万方数据