数字农贷对农户信贷需求的影响研究——以江苏沭阳数字化“阳光信贷”为例  

The Influence of Digital Agricultural Credit on Farmers'Credit Demand——Take Shuyang Digital“Sunshine Credit”As An Example

作　　者：张龙耀 白子玉 王维彪 王海淼 ZHANG Long-yao;BAI Zi-yu;WANG Wei-biao;WANG Hai-miao

机构地区：[1]南京农业大学金融学院

出　　处：《农村金融研究》2020年第6期3-9,共7页Rural Finance Research

基　　金：2019年国家级大学生创新创业训练计划项目(编号:201910307087Z)成果。

摘　　要：论文基于江苏省沭阳县农户的调研数据,采用Probit模型和Tobit模型,以数字化“阳光信贷”为例,研究了面对数字农贷、农户借款需求以及需求规模的影响因素。结果表明:收入与数字贷款需求呈现倒“U”型的关系,生产性经营支出显著正向影响农户的数字借款需求行为,而网点距离、家庭劳动力占比、父母受教育水平皆对农户贷款行为呈负向影响,其中男性农户的数字贷款需求行为更为明显。论文研究发现,农户的数字贷款需求行为受到收入、支出以及家庭特征的深刻影响,这在一定程度上可为以沭阳农商行数字化“阳光信贷”为代表的数字农贷发展提供有益参考。Based on the survey data of farmers in Shuyang countryside,this paper uses Probit model and Tobit model to study the influencing factors of farmers'credit demand and scale.The results show that there is an inverse"U"relationship between the income and demand for digital credit.Besides,the effect of productive operating expenditure on farmers'demand for digital credit is positive,and the distance of network,the proportion of family labor force and the education level of parents all have negative effects on the loan behavior of farmers,especially the male farmers.This paper finds that farmers'demand behavior of digital agricultural loans is deeply influenced by income,expenditure and family characteristics.To a certain extent,this can provide beneficial reference for the development of Digital Agricultural Credit represented by digital"Sunshine Credit"of Shuyang Agricultural Bank.

关 键 词：数字金融 农户借贷 需求行为 因素分析 

分 类 号：F832.43[经济管理—金融学] F323.3