数字乡村发展如何影响农户正规信贷约束与信贷规模?  

How does digital rural development affect the formal credit constraints and credit scale of farmers?

作　　者：余泽梁 郭沛[1] 何琳[2] YU Zeliang;GUO Pei;HE Lin(School of Economics and Management,China Agricultural University,Beijing 100083,China;School of Management,Zhongkai University of Agricultural and Engineering College,Guangzhou 510550,China)

机构地区：[1]中国农业大学经济管理学院,北京100083 [2]仲恺农业工程学院管理学院,广州510550

出　　处：《中国农业大学学报》2025年第3期245-258,共14页Journal of China Agricultural University

基　　金：国家自然科学基金青年项目(72304102);广东省哲学社会科学规划青年项目(GD21YGL02)。

摘　　要：为厘清数字乡村发展对农户正规信贷影响的效应和机制。基于县域数字乡村指数与中国家庭追踪调查数据,实证考察了数字乡村发展对农户正规信贷约束和信贷规模的影响。结果表明:1)数字乡村发展能有效缓解农户正规信贷约束,但抑制了农户正规信贷规模的增长,一定程度上反映了农村信贷工具的作用并未得到有效发挥。2)异质性分析发现,数字乡村发展对农户正规信贷的影响具有“长尾”特征。3)机制讨论发现,信息利用和风险感知分别是数字乡村发展对农户正规信贷约束和信贷规模的影响机制。基于此,建议深化数字乡村发展、加快农村信贷体系发展,同时注重让数字乡村发展和农村金融发展成果惠及更多农户。To clarify the effects and mechanisms of digital rural development on formal credit for farmers.This study empirically examines the impact of digital rural development on farmers'formal credit constraints and credit scales based on the county-level digital rural index and Chinese household tracking survey data.The results indicate that:1)Digital rural development can effectively alleviate the constraints of formal credit for farmers,but it has suppressed the growth of formal credit scale for farmers,which reflects that the role of rural credit tools has not been effectively played to some extent.2)Heterogeneity analysis found that the development of digital rural areas has a“long tail”effect on the formal credit of farmers.3)Mechanism discussions have found that information utilization and risk perception are the mechanisms of digital rural development affecting farmers'formal credit constraints and credit scale,respectively.Based on this,it is recommended to deepen the development of digital rural areas and accelerate the development of rural credit systems.Meanwhile,focus on making the achievements of digital rural development and rural financial development benefit more farmers.

关 键 词：数字乡村 正规信贷约束 正规信贷规模 “长尾” 信息利用 风险感知 

分 类 号：F323.9[经济管理—产业经济]