数字金融终端设备对农村地区信贷需求的影响研究  

Research on the Impact of Digital Financial Terminal Equipment on Credit Demand in Rural Areas

作　　者：钱路 栾敬东[1,2] 姚庆庆 QIAN Lu;LUAN Jingdong;YAO Qingqing(School of Economics and Management,Anhui Agricultural University,Hefei 230036,China;Business School,Anhui Wenda Information Engineering University,Hefei 231201,China)

机构地区：[1]安徽农业大学经济管理学院,安徽合肥230036 [2]安徽文达信息工程学院商学院,安徽合肥231201

出　　处：《云南农业大学学报(社会科学版)》2025年第2期101-108,共8页Journal of Yunnan Agricultural University(Social Science)

基　　金：中国工程院战略研究与咨询项目“安徽省乡村振兴发展战略研究”(2021-7)。

摘　　要：本研究旨在探讨智能手机作为数字金融终端设备对农村地区信贷需求的影响。针对农村金融服务不均衡、传统信贷难以覆盖等问题,本文通过理论分析和实证数据,系统考察了智能手机使用对农户生产性信贷需求和消费性信贷需求的不同影响路径。数据来源于2019年中国家庭金融调查(CHFS),并采用Probit模型和工具变量Probit模型(IVProbit)进行计量分析,同时结合倾向得分匹配(PSM)方法进行稳健性检验。研究结果表明,智能手机的使用显著增加了农户的信贷需求,尤其对消费性信贷的促进作用更为显著。此外,异质性分析结果显示,智能手机对低收入和低教育水平群体的信贷需求影响更大,说明智能手机有助于提升农村金融包容性。本文的研究结论为数字金融服务的推广和优化提供了实证依据,并提出了加强智能手机普及、优化数字金融服务和加强数字金融教育等政策建议。This study aimed to explore the impact of smartphones,as digital financial terminal devices,on rural credit demand.In response to the issues of uneven financial services and limited coverage of traditional credit in rural areas,this paper systematically examined the different pathways through which smartphone usage affects both productive and consumption credit demand among rural households.The analysis was based on data from the 2019 China Household Finance Survey(CHFS),employing Probit and Instrumental Variable Probit(IVProbit)models for econometric analysis,complemented by robustness checks using the Propensity Score Matching(PSM)method.The results indicated that,smartphone usage significantly increased credit demand among rural households,with a more pronounced effect on consumption credit.Furthermore,the heterogeneity analysis revealed that,smartphones had a greater impact on credit demand for households with lower income and educational levels,highlighting the role of smartphones in enhancing financial inclusion in rural areas.The findings of this study provided empirical support for the promotion and optimization of digital financial services and suggest policies such as increasing smartphone accessibility,optimizing rural digital financial products,and strengthening digital financial education.

关 键 词：智能手机 数字金融 农村信贷需求 内生性问题 异质性分析 

分 类 号：F830.58[经济管理—金融学]