数字普惠金融对兼业农户信贷可得的影响研究——基于CFPS微观数据的实证研究  

Research on the Influence of Digital Financial Inclusion on the Credit Availability of Part-time Farming Households--Empirical Research Based on CFPS Microdata

作　　者：任乐 陈炎 赵辉 REN Le;CHEN Yan;ZHAO Hui

机构地区：[1]河南大学商学院,河南开封475004 [2]河南大学数学与统计学院,河南开封475004

出　　处：《经济问题探索》2024年第9期130-141,共12页Inquiry Into Economic Issues

基　　金：国家社科基金重点项目“‘区块链+供应链’融合治理下农业供应链融资信任机制研究”(20AGL021),项目负责人:王性玉;国家社科基金一般项目“基于经济和社会资本特征的农户借贷及其信任机制研究”(19BGL155),项目负责人:任乐;河南省软科学研究计划项目“‘双碳’目标下企业碳信息披露的价值效应研究”(232400412029),项目负责人:任乐。

摘　　要：随着乡村产业振兴战略的推进,农户分化的态势逐渐显现,兼业农户成为农村创新创业、促进产业发展的主流群体。近年来,数字普惠金融的发展为改善农户信贷可得提供有利契机,但能否以及如何对兼业农户的信贷可得产生影响尚未可知。本文利用中国家庭追踪调查数据实证检验数字普惠金融对兼业农户信贷可得的影响及其作用机制。研究结果表明:数字普惠金融显著促进兼业农户的信贷可得;机制检验发现,收入多样性和社会互动在数字普惠金融促进兼业农户信贷可得中具有中介效应;异质性检验发现,数字普惠金融促进兼业农户信贷可得存在地区异质性和兼业程度异质性,对中西部地区和二兼农户的促进作用最为显著。研究结论有助于明晰数字普惠金融影响兼业农户信贷可得的内在作用机理,对促进数字普惠金融均衡发展,增强主流农户信贷可得,进而实现乡村振兴具有重要的理论和实践意义。With the promotion of the rural industry revitalization strategy,the trend of farmer differentiation gradually appeared,and part-time farming households became the mainstream group of rural innovation and entrepreneurship for industrial development.In recent years,the development of digital inclusive finance has provided an opportunity to improve the credit availability of farming households.However,whether and how it can affect the credit availability of part-time farming households remains unclear.This paper empirically examined the impact of digital financial inclusion on the credit availability of part-time farming households and its mechanism using the data from China Family Panel Studies(CFPS).The results showed that digital financial inclusion significantly promoted the credit availability of part-time farming households.The mechanism test found that income diversity and social interaction had an intermediary effect on the promotion of credit availability of part-time farming households through digital inclusive finance.The heterogeneity test found regional heterogeneity and part-time degree heterogeneity in the promotion of credit availability of part-time farming households by digital inclusive finance,and the promotion effect was most significant for the central and western regions and deep part-time farming households.The research conclusions help to clarify the internal mechanism of digital inclusive finance affecting the credit availability of part-time farming households,and have important theoretical and practical significance for promoting the balanced development of digital inclusive finance,enhancing the credit availability of mainstream farmers,and thus realizing rural revitalization.

关 键 词：数字普惠金融 兼业农户 信贷可得 收入多样性 社会互动 

分 类 号：F832.43[经济管理—金融学]