Mechanism regression results1.

This paper explores the role of digital inclusive finance in enhancing rural economic resilience, using panel data from 30 Chinese provinces, municipalities, and autonomous regions from 2013 to 2023. The results show that digital inclusive finance significantly improves rural economic adaptability and transformation capabilities, though its impact on risk resistance is minimal. It strengthens rural economic resilience through two main channels: improving transportation infrastructure and promoting rural technological innovation. This effect is particularly strong in areas with advanced rural digital infrastructure. Heterogeneity analysis reveals that digital inclusive finance positively impacts rural economic resilience in both eastern and western regions, but has no significant effect in central regions. Furthermore, its impact is more pronounced in non-agricultural provinces compared to agricultural ones. The study suggests that the government should continue expanding digital inclusive finance, while tailoring policies to local conditions, to support the sustainable development of the rural economy.本文以2013-2023年中国30个省、自治区、直辖市的面板数据为样本，探究数字普惠金融（digital inclusive finance）对提升农村经济韧性的作用。研究结果表明，数字普惠金融可显著提升农村经济的适应性与转型能力，但对风险抵御能力的影响相对有限。其主要通过两大路径强化农村经济韧性：一是完善交通基础设施，二是推动农村技术创新。该效应在农村数字基础设施较为发达的地区尤为显著。异质性分析结果显示，数字普惠金融对东部与西部地区的农村经济韧性均具有正向提升作用，但对中部地区的影响并不显著。此外，相较于农业省份，该影响在非农业省份更为突出。本研究建议，政府应持续推广数字普惠金融，并因地制宜制定政策，以助力农村经济的可持续发展。