信息通信技术使用、金融交易成本与农户数字金融参与——基于距离、密度与人情成本三重维度的考察  

The Use of ICT,Financial Transaction Costs and Rural Households Digital Financial Participation:An Investigation Based on the Three Dimensions of Distance,Density and Human Relationship Cost

作　　者：李超伟 张龙耀 LI Chaowei;ZHANG Longyao

机构地区：[1]南京农业大学金融学院/江苏农村金融发展研究中心,南京210095

出　　处：《南京农业大学学报（社会科学版）》2023年第2期168-177,共10页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家自然科学基金面上项目“中国农村数字金融的发展机制和效应:基于实验经济的研究”(71973064);国家自然科学基金管理学部应急管理项目子课题“金融支持乡村振兴的政策创新研究”(72141013)。

摘　　要：基于2019年4省农户微观调查数据,对信息通信技术(ICT)使用与农户数字金融参与的影响关系及其金融交易成本机制进行实证研究。结果显示,ICT使用会显著提高农户数字金融的参与概率和参与广度,该结论在使用IV-Probit模型、控制函数法进行内生性处理、使用TPR模型克服选择偏误以及稳健性检验后仍成立。ICT使用对农户数字金融参与的影响具有显著的群体异质性,ICT使用对以收入水平低和老年人为核心的“长尾群体”数字金融参与的概率和广度的边际影响更大,数字金融的普惠效应得以体现。机制分析发现,ICT使用可通过距离、密度与人情成本三重维度的金融交易成本机制对农户的数字金融行为产生影响。该研究为理解农户的数字金融行为提供了新视角,对于发展农村数字普惠金融具有重要意义。Based on the micro survey data of rural households in four provinces in 2019,this paper conducts an empirical study on the relationship between the use of information communication technology(ICT)and rural households participation in digital finance and the mechanism of financial transaction costs.The results show that ICT use can significantly improve the probability and breadth of farmers participation in digital finance.This conclusion is still valid after IV-Probit model,endogeneity processing by control function method,selection bias overcome by TPR model and robustness test.The impact of ICT use on rural households digital financial participation has significant group heterogeneity,and the marginal impact of ICT use on the probability and breadth of digital financial participation of the“long tail group”with low income level and the elderly as the core is greater,which reflects the inclusive effect of digital finance.Mechanism analysis shows that ICT use can influence the digital financial behavior of farmers through the financial transaction cost mechanism with three dimensions of distance,density and human cost.This study provides a new perspective for understanding the digital financial behaviors of rural households and is of great significance for the development of rural digital financial inclusion.

关 键 词：信息通信技术使用 数字金融参与 金融交易成本 数字红利 

分 类 号：F832.35[经济管理—金融学]