数字普惠金融发展对农业机械使用的影响

——基于要素替代和人口老龄化的视角

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关键词数字普惠金融；农业机械化；要素替代；老龄化中图分类号S-9 文献标识码A文章编号 0517-6611（2025）17-0221-05doi：10.3969/j.issn.0517-6611.2025.17.044

开放科学（资源服务）标识码（OSID）：

Researchonthe Impactof Digital InclusiveFinance Development onthe Useof AgriculturalMachinery—Perspectives fromFactor Substitution and Population Aging

ANGJun-yiE-tag（.hlfooicsdagemet，gUersingou，Hubei43;so ege of Huanggang Normal University， Huanggang，Hubei 438000）

AbstractWithruralpopulatiooutlopersistingandtheisseofpopulationagingbcomingorepronounced，eiperativeofsubstit tingcapitaliputsfolaboiputsiauraleanatioasedHoweveradiioalfaceiisuiinttoutal householdsinsolyompletigglturalhazatioisaperilsCatatvestigatetheipactandtegitf digitalinclusivefnaneothesubstutionofagriculturalmachneryelements.Tesearchsowstatdigitalinclusivfnanccanproote thesubsitutioficualacfoanpialiteattfueeoudiniaioogo dicators.Intesofhterogeneityanalysis，theimpactisgreatestonouseholswithndividualsunderthegeof7Otoseinoay grain-producingareas，andmedium-saleminghouseholds.Basedontesefindings，policyrcommendatiosareproposedforteprootio of digital inclusive finance，rural aging families，anddiferent stakeholders inachieving agricultural mechanization.

Key wordsDigital inclusive finance;Agricultural mechanization;Factor substitution;Aging

改革开放以来，城镇化和现代化作为国家发展的主要引擎持续推进。（剩余8179字）