Özet:

: Under the “two-carbon” goal, the green and low-carbon development of agriculture is a critical way to consummate agricultural modernization and high-quality economic establishment. Digital inclusive finance eases credit restrictions. It enhances the availability of funds for farmers. It promotes the integration of agricultural industries and talent gathering through digitalization, improves the standard of agricultural production and promotes the development of green and low-carbon agricultural modernization in China. This paper uses panel data for 2011–2021, which includes 31 provinces in China. Green and low-carbon development indicators of agriculture were constructed and calculated, and the comprehensive horizontal spatial differentiation map of GIS technology was used for analysis. A spatial panel model was set up at the same time, to explore the impact and mechanism test of digital financial inclusion on the green and low-carbon development of agriculture, and regional heterogeneity was analyzed. (1) Digital financial inclusion can promote the green and low-carbon development of agriculture, and its influence has a positive spatial spillover effect. (2) The education level of the labor force plays an intermediary role and is the transmission mechanism of digital financial inclusion and the green and low-carbon development of agriculture. (3) The impact of digital financial inclusion on green and low-carbon agricultural development has regional heterogeneity.

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