Digital inclusive finance and total factor productivity in agriculture—— Evidence from China

Under the strategy of rural revitalization, development digital inclusive finance is an effective way to alleviate long-standing problem "difficult and expensive financing" in "three areas", inherent requirement for achieving high-quality Chinese agriculture. Based on panel data provinces from 2011 2021, this paper adopts a three-stage SBM-DEA model measure total factor productivity agriculture analyzes impact financial inclusion The study shows that, firstly, plays more significant role enhancing agriculture, depth use strongest contributing among sub-indicators. Second, there heterogeneity effects agricultural terms time geographical location. Third, mechanism analysis that deepening human capital regional innovation capacity can effectively drive growth productivity. research contributes deeper understanding how measured, theoretical mechanisms by which drives