社会资本对农户数字金融行为响应的影响——基于数字金融排斥视角的分析  

The Impact of Social Capital on Farmers’Responses to Digital Finance Behavior:An Analysis from the Perspective of Digital Financial Exclusion

作　　者：刘亮[1] 居震 LIU Liang;JU Zhen(Business School,Soochow University,Suzhou 215021,Jiangsu;School of Economics and Management,Southeast University,Nanjing 211189,China)

机构地区：[1]苏州大学商学院,江苏苏州215021 [2]东南大学经济管理学院,江苏南京211189

出　　处：《兰州大学学报(社会科学版)》2024年第6期24-39,共16页Journal of Lanzhou University(Social Sciences)

基　　金：江苏省社会科学基金项目“江苏现代金融和产业深度融合的动力机制和策略研究”(21EYB009)。

摘　　要：缓解数字金融排斥对实现区域协调发展和促进金融高质量发展具有重要意义。依据2019年中国家庭金融调查数据(CHFS),通过固定效应模型和门槛效应模型,从数字金融排斥视角实证检验了社会资本对农户数字金融行为响应的影响及其作用机制。研究发现,社会资本能够显著改善农户的数字金融行为。机制分析表明,缓解知识排斥和降低风险排斥是社会资本提高农户数字金融行为响应的重要渠道。社会资本对农户数字金融行为响应的影响并非是线性的,而是存在着显著的门槛效应。只有当农户的社会资本超过第一门槛值时,它才对数字金融行为产生显著的正向影响。而且,随着第二、第三门槛值的跨越,其影响呈现出边际效应递减的非线性特征。此外,社会资本对农户数字金融行为响应的积极影响在不同类型的样本家庭中存在差异。在桥接型社会资本较强、非长尾、非空巢期的样本家庭中,这种积极影响更为显著。Alleviating digital financial exclusion is of great significance for achieving regional coordinated development and promoting high-quality financial development.Based on the data from the China Household Finance Survey(CHFS),the present study uses fixed effects models and threshold effects models to empirically examine the impact of social capital on farmers’responses to digital finance behavior(DFB)and its mechanisms from the perspective of digital financial exclusion.The findings show that social capital significantly improves farmers’DFB.Mechanism analysis indicates that alleviating knowledge exclusion and reducing risk exclusion are important channels through which social capital enhances farmers’responses to DFB.The impact of social capital on farmers’responses to DFB is non-linear,exhibiting significant threshold effects.Only when farmers’social capital exceeds the first threshold value does it have a significant positive impact on DFB.Moreover,as the second and third threshold values are crossed,the impact shows diminishing marginal effects.Additionally,the positive impact of social capital on farmers’responses to DFB varies across different types of sample households.This positive effect is more pronounced in households with strong bridging social capital,non-long-tail characteristics,and non-empty-nest periods.

关 键 词：社会资本 行为响应 数字金融排斥 门槛效应 弱势群体 

分 类 号：F49[经济管理—产业经济] F832