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

摘要： 农机价格的提高使中小农户难以负担购置或租用成本，资金成为农户农业机械化水平提升的关键制约。基于中国劳动力动态调查数据和北京大学数字普惠金融指数，运用Order Probit模型分析数字普惠金融对农户农业机械化水平的影响，并以农村家庭创业为切入点阐释其影响机制。研究发现，数字普惠金融能够显著提高农户机械化水平，且其提升作用约有30.8%是通过农村家庭创业这一中介实现的；数字普惠金融对农户农业机械化水平的提升作用在粮食主产区、产销平衡区和丘陵山区表现更显著，并受到传统金融发展程度的正向调节作用。为此，不同地形区域和粮食产销区应因地制宜鼓励农村地区开展数字普惠金融业务，并配套政策鼓励农村家庭创业。

关键词: 农业机械化, 数字普惠金融, 农村家庭创业, 中介效应