关键词: 农业机械化, 数字普惠金融, 农村家庭创业, 中介效应

Abstract: The increase of agricultural machinery price makes it difficult for small and mediumsized farmers to afford the costs of purchasing  or renting, and capital has become a key constraint in improving the level of mechanization among farmers. Based on the data from the China Laborforce Dynamics Survey and the digital financial inclusion index from Peking University, this study uses the Order Probit model to analyze the impact of digital financial inclusion on the mechanization level of farmers and explains its influencing mechanism from the perspective of rural family entrepreneurship. It is found that digital financial inclusion can significantly improve the mechanization level of farmers, with rural family entrepreneurship serving as a significant intermediary, contributing to approximately 30.8% of the improvement. The effect of digital financial inclusion on the improvement of farmers mechanization level is more significant in main grainproducing areas, production and sales balance areas, and hilly and mountainous areas. Its also positively moderated by the development degree of traditional finance. To this end, digital inclusive financial services should be encouraged in rural areas, tailored to the specific needs of different geographical regions and grain production and marketing areas. And policies to encourage rural families to start businesses also need to be formulated.

Key words: agricultural mechanization, digital inclusion finance, rural household entrepreneurship, intermediary effects