信用环境何以缓解农户收入不平等——基于农户创业与数字金融参与的CHFS数据研究  

How Credit Environment Alleviates Rural Household Income Inequality:Evidence from Farmer Entrepreneurship and Digital Financial Participation Based on CHFS Data

作　　者：朱天宇 霍增辉[1] 沈康成 Zhu Tianyu;Huo Zenghui;Shen Kangcheng(School of Economics and Management,China Jiliang University,Hangzhou 310018,China)

机构地区：[1]中国计量大学经济管理学院,浙江杭州310018

出　　处：《新疆农垦经济》2025年第4期13-22,共10页Xinjiang State Farms Economy

基　　金：浙江省科技计划项目一般软科学研究项目(项目编号:2024C35091);浙江省高校基本科研业务费专项资金(项目编号:2023YW79);教育部人文社会科学研究规划基金项目(项目编号:22YJAZH153)。

摘　　要：在全面建成社会主义现代化强国进程中,缩小农户收入差距是实现全面共同富裕的重要目标。在构建研究假设的基础上,文章采用2019年中国家庭金融调查(CHFS)数据,考察信用环境如何缓解农户收入不平等的背后机制。研究发现,良好的信用环境能够显著缓解农户收入不平等。中介效应回归表明,信用环境通过促进农户创业活动和数字金融参与,进而缓解农户收入不平等。异质性分析表明,相对于高水平金融素养农户,信用环境更能有效缓解低水平金融素养农户的收入不平等;信用环境不利于缓解被动创业农户的收入不平等。研究结论对于深入了解信用环境在缓解农户收入不平等中的作用机制提供了微观证据支持。In the process of building a socialist modernized strong country,narrowing the income gap among rural households is a key goal in achieving comprehensive common prosperity.Based on the construction of research hypotheses,this paper uses the 2019 China Household Finance Survey(CHFS)data to investigate the mechanisms through which the credit environment alleviates rural household income inequality.The study finds that a favorable credit environment can significantly reduce income inequality among rural households.Mediation effect regressions indicate that the credit environment alleviates income inequality by promoting rural household entrepreneurship and digital financial participation.Heterogeneity analysis shows that,compared to farmers with high financial literacy,the credit environment is more effective in reducing income inequality among those with low financial literacy.Moreover,the credit environment is less effective in alleviating income inequality among necessity-driven entrepreneurs.The research findings provide micro-level evidence to better understand the mechanisms through which the credit environment alleviates income inequality among rural households.

关 键 词：信用环境 收入不平等 农户创业 数字金融参与 

分 类 号：F832.7[经济管理—金融学]