摘要
数字信用作为一种新兴的信用信息量化方式和载体,为商业银行获取农户“软信息”提供了一个的新手段。但是,数字信用能否提高农户正规信贷可得性这一问题,仍有待探究与证明。为此,本文以农户微观数据研究样本,实证检验了数字信用与农户正规信贷可得性之间的关系。研究发现,数字信用对农户正规信贷可得有显著的正向影响,即随着数学信用评分的提高,农户获得正规信贷的概率显著提升。经过一系列稳健性检验之后,结论依然成立。对机制分析的结果表明,数字信用可通过帮助银行获取软信息即还款意愿和提高农户社会资本的渠道提升正规信贷可得性。进一步分析发现,数字信用对外出务工的农户和欠发达地区农户的信贷可得性的促进作用更大。本研究揭示了数字信用在农户正规信贷领域的作用,为政策制定者和金融机构提供参考,有助于推动我国农户信贷业务的健康发展,助力乡村振兴。
Digital credit,as an emerging method and carrier for quantifying credit information,offers com⁃mercial banks a new means of accessing farmers’“soft information”However,whether digital credit can en⁃hance farmers’access to formal credit remains to be explored and proven.Using microdata from farmers as a sample,this paper empirically examines the relationship between digital credit and farmers’access to for⁃mal credit.The study finds that digital credit has a significant positive impact on farmers’access to for⁃mal credit;as digital credit scores increase,the probability of farmers obtaining formal credit rises mark⁃edly.This conclusion holds true after a series of robustness checks.Mechanism analysis indicates that digi⁃tal credit improves access to formal credit by helping banks acquire soft information,such as repayment willingness,and by enhancing farmers’social capital.Further analysis reveals that digital credit has a greater effect on enhancing credit access for migrant workers and farmers in less developed areas.This study uncovers the role of digital credit in the field of formal credit for farmers,providing insights for policy⁃makers and financial institutions to promote the healthy development of China’s farmer credit business and contribute to rural revitalization.
作者
范依桐
吴家美
FAN Yitong;WU Jiamei(College of Economics and Management,South China Agricultural University,510642,Guangzhou,Guangdong,China)
出处
《特区经济》
2025年第7期46-55,共10页
Special Zone Economy
基金
2023年度华南农业大学国家级大学生创新创业训练项目“数字信用能否改善农户正规信贷状况?”(S202310564065)。
关键词
数字信用
农户
正规信贷
可得性
Digital Credit
Formal Credit for Farmers
Credit Accessibility
