Abstract: The prosperity of rural industry is the important foundation for rural revitalization and the premise for solving all rural problems. Under the background of comprehensively promoting rural revitalization and accelerating the modernization of agriculture and rural areas, exploring the development path of rural industry revitalization is of great significance in the “post-poverty alleviation era” to prevent the return to poverty and promote the common prosperity of farmers and rural areas. Based on the panel data of 30 provinces and municipalitiesin the mainland from 2011 to 2018, this paper empirically examines the impact of FinTech on rural industry revitalization and its mechanism based on the quantitative measurement of the level of rural industry revitalization in each province. The results show that FinTech can significantly promote the revitalization of rural industries. Fintech can revitalize rural industries by increasing the size of agriculture-related loans, facilitating land transfer and strengthening agricultural technology innovation. The promotion effect of FinTech on rural industry revitalization is more obvious in areas with high-degree mismatching of agricultural sector factors and low-degree mismatching of non-agricultural sector factors, non-main grain producing areas, and areas with high-level economic development.

Key words: FinTech, Rural Industry Revitalization, Common Prosperity

摘要： 产业兴旺是乡村振兴的重要基础,是解决农村一切问题的前提。在全面推进乡村振兴和加快农业农村现代化的时代背景下,探索乡村产业振兴的发展路径,对于“后扶贫时代”防止返贫致贫,扎实推动农民农村共同富裕具有重要意义。基于2011—2018年我国内地30个省份的面板数据,在对各省份乡村产业振兴水平定量测度基础上实证检验金融科技对乡村产业振兴的影响效应及其作用机制。研究发现,金融科技能够显著促进乡村产业振兴。机制分析表明,金融科技能够通过缓解涉农融资约束、推进农地流转和提升农业技术创新水平来促进乡村产业振兴。异质性分析表明,金融科技对乡村产业振兴的促进作用在农业部门要素错配程度高和非农部门要素错配程度低的地区、非粮食主产区、经济发展水平高的地区表现得更加明显。

关键词: 金融科技, 乡村产业振兴, 共同富裕