银行数字化转型对农业信贷投放的影响研究  

Research on the Impact of Bank Digital Transformation on Agricultural Credit Delivery

作　　者：郭力[1] 吴佳颖 

机构地区：[1]河南工业大学经济贸易学院,河南郑州450001

出　　处：《浙江金融》2024年第11期19-32,共14页Zhejiang Finance

基　　金：河南省软科学研究项目《河南省农区县域城镇化转型的路径及政策研究》(242400411157);河南省高校人文社会科学研究项目《沿黄城市群“生产-生活-生态”功能空间失衡与再平衡研究》(2024-ZZJH-144);河南省高等学校哲学社会科学应用研究重大项目《河南加快构建现代化城镇体系的路径研究》(2022-YYZD-05)。

摘　　要：本文构建了固定效应模型和GMM模型,利用我国银行数字化指数,从风险管理水平、信用评级水平、金融服务效率三个层面探讨其传导机制,探究银行数字化转型与农业信贷投放规模之间的关系。研究发现:银行数字化转型与其投放的农业信贷规模之间存在倒“U”型的非线性关系;银行通过降低筛选成本、建立高效的信用评级和信息共享机制,扩大对农业信贷的投放规模;数字化转型的深化、管理费用的增加,会导致银行缩小农业信贷投放规模;银行业务数字化转型更能促进银行扩大农业信贷投放规模。本文研究对于提高农业信贷可得性、落实金融支持实体经济发展战略具有重要意义。This paper constructs a fixed-effects model and a Generalized Method of Moments(GMM)model,utilizing China's banking digitalization index to investigate the transmission mechanisms from three dimensions:risk management proficiency,credit rating standards,and financial service efficiency.It explores the relationship between the digital transformation of banks and the scale of their agricultural credit distribution.The findings reveal that:There exists an inverse U-shaped non-linear relationship between the digital transformation of banks and the scale of agricultural credit they extend.Banks enhance the scale of agricultural credit distribution by reducing screening costs,establishing efficient credit rating mechanisms,and fostering information sharing.As digital transformation progresses,and the escalation in administrative expenses also leads to a contraction in the scale of agricultural credit distribution.The digital transformation of banking operations is more effective in promoting an expansion of the scale of agricultural credit distribution.This research holds significant implications for enhancing the accessibility of agricultural credit and for the implementation of financial strategies to support the real economy.

关 键 词：商业银行 数字化转型 农业信贷 非线性关系 

分 类 号：F832.4[经济管理—金融学]