传统金融基础、知识门槛与数字金融下乡  

Traditional Financial Basis,Knowledge Threshold and Digital Finance for Farmers

作　　者：郭峰[1,2] 王瑶佩[1] Guo Feng;Wang Yaopei(School of Economics and Administration,Shanghai University of Finance and Economics,Shanghai 200433,China;Institute of Digital Finance,Peking University,Beijing 100871,China)

机构地区：[1]上海财经大学公共经济与管理学院,上海200433 [2]北京大学数字金融研究中心,北京100871

出　　处：《财经研究》2020年第1期19-33,共15页Journal of Finance and Economics

基　　金：国家社会科学基金青年项目(16CJY065);上海财经大学中央高校基本科研业务经费(2017110695);上海财经大学研究生创新基金(CXJJ-2017-411);上海财经大学“醉学基金”

摘　　要：传统金融服务存在很多空白的地区和群体,特别是在偏远的农村地区,普惠金融事业依然任重道远。因此,新兴的数字金融被寄予厚望,希望可以填补空白,服务传统金融没有服务到的地区和群体。而文章研究显示,农户是否使用数字金融依赖于其对传统金融的使用。具体而言,农户使用传统金融的频率越高,使用数字金融服务的可能性就越大;家庭成员的受教育程度越高,使用数字金融的概率也越高。传统金融基础与教育水平的交互影响以及其他分析进一步证实了上述结论。因此,在数字金融下乡中,要加大对农户金融基础知识的培训。This study examines the current relationship between digital finance and traditional finance by using micro survey data. Because of various reasons, there are many blank areas and groups in traditional financial services, especially in remote rural areas. Therefore, the emergent digital finance is expected to fill the blank, and serve the areas and groups that traditional finance has yet served. Meanwhile, expanding business in rural areas has indeed become an important strategy for some Internet finance companies. However, we must clearly realize that the application of new digital financial technology, which is a combination of Internet technology and financial business, needs basic financial knowledge and Internet skills. Without basic financial knowledge and Internet skills, people may not be able to use digital financial services skillfully and effectively.Therefore, although Internet finance could overcome geographical obstacles and cut the cost in remote rural areas with low population density and economic activity density, for the perspective of the demand side, it is not so easy to enjoy these modern digital financial services. Therefore, examining the relationship between traditional financial basis and farmers’ use of digital finance through scientific empirical analysis will contribute to deepen our understanding of the digital financial pattern.In this study, we use the firsthand micro survey data from the Thousand Village Survey of Shanghai University of Finance and Economics to investigate the influence of traditional financial foundation and family members’ education level on the use of digital finance. Using the special survey data of Rural Inclusive Finance will help us to inspect the value of traditional financial basis in influencing rural households to use new digital financial services. We find that the higher the frequency of using traditional finance, the greater the possibility of using digital financial services;and the higher the education level of farmers’ household, the higher t

关 键 词：数字金融 普惠金融 农村金融 

分 类 号：F832[经济管理—金融学]