Raw data.

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.

本研究从农业产业化视角出发，基于2006至2022年中国省级层面数据，探究普惠金融（Financial Inclusion）对农民收入的影响。研究发现，普惠金融可有效助推农民收入增长，且该效应在不同收入结构、收入层级与区域类型间呈现异质性特征。更为关键的是，农业产业化是普惠金融推动农民收入增长的重要传导机制。然而，普惠金融与农业产业化的交互效应并未有效促进农民收入增长，这表明当前普惠金融发展过程中存在一定结构性问题。据此，本研究建议，普惠金融发展应锚定以分工协作为基础的农业产业化方向：重点支持具备区域比较优势的本地主导产业发展，引导农民嵌入农业产业链，提升农民分享经济发展成果的机会。