地理距离、银行数字化转型与金融机构农户信贷供给规模——来自F省农信系统的证据  

Geographical Distance, Digital Transformation of Banks and the Scale of Farmers’ Credit Supply in Financial Institutions——Evidence from F Province’s Rural Credit Cooperatives

作　　者：郑海荣[1] 马九杰[2] 王馨 ZHENG Hairong;MA Jiujie;WANG Xin

机构地区：[1]福建农林大学经济与管理学院/福建普惠金融研究院,福州350002 [2]中国人民大学农业与农村发展学院,北京100872

出　　处：《华南师范大学学报（社会科学版）》2023年第1期114-134,207,共22页Journal of South China Normal University：Social Science Edition

基　　金：国家社会科学基金项目“‘新基建’背景下中国农村普惠金融发展对策研究”(20BJY153)。

摘　　要：金融机构农户信贷供给规模会影响农户信贷可得性,从而影响乡村振兴战略的实施和共同富裕的实现。利用F省农信系统67家农村信用社(农村商业银行)2018—2020年808 084个样本构成的混合截面数据,分析地理距离、银行数字化水平对金融机构农户信贷供给规模的影响,发现:农户到乡镇行社网点的地理距离对金融机构农户信贷供给规模存在负向影响;但银行的数字化水平越高,地理距离对金融机构农户信贷供给规模的抑制作用会越小。异质性分析结果表明,银行数字化转型缓解地理距离对金融机构农户信贷供给规模的抑制作用会受到农户数字金融素养、区域内银行竞争程度和银行商业化程度的影响。进一步分析发现,银行数字化转型对农户信用贷款、中长期贷款和投向农林牧渔贷款的缓解作用更大。因此,应该积极引导和规范银行数字化转型、重视培养和提升农户的数字金融素养、适当推进农村地区银行的商业化改制。Financial institutions of peasant household credit supply scale can affect farmer credit availability,which affect therural revitalization of strategic implementation and the realization of common prosperity. In order to study the impact of distance andbank digitalization level on the credit supply of financial institutions to rural households,this paper uses the mixed cross-sectional dataof more than 800,000 samples from 67 rural credit cooperatives(rural commercial banks)in F province’s rural credit system from2018 to 2020. The results show that the distance between rural households and rural cooperative outlets has a negative impact on thecredit supply of financial institutions to them,but the higher the digitalization level of banks,the smaller the inhibition of distance onthe credit supply. The results of heterogeneity analysis show that the digital transformation of financial institutions in alleviating the geo-graphical distance of peasant household credit supply scale inhibition by farmers digital financial literacy,regional banking competitiondegree and degree of commercial bank. Further analysis found that the digital transformation of banks has a greater mitigation effect onfarmers’ credit loans,medium and long term loans and loans invested in agriculture,forestry,animal husbandry or fishery. In this re-gard,this paper proposes to actively guide and standardize the digital transformation of banks,attach importance to training and impro-ving farmers’ digital financial literacy,and appropriately promote the commercialization of rural banks.

关 键 词：地理距离 银行数字化转型 农户信贷供给规模 普惠金融 

分 类 号：F823.43[经济管理—财政学]