西南石油大学学报（社会科学版）2023，Vol.25Issue(6)：21-30,10.DOI:10.11885/j.issn.1674-5094.2023.05.04.04
数字经济发展对农户家庭借贷行为的影响
The Influence of the Development of Digital Economy on Rural Households'Loan Behavior
梁建洪 1王钧1
作者信息
- 1. 天津师范大学经济学院,天津西青 300387
- 折叠
摘要
Abstract
In order to effectively implement the rural revitalization strategy and realize the prosperity of industry,effective governance and prosperous life,we need the support of modern financial service system.Based on the sectional data of China Household Finance Survey(CHFS)and Index of Digital Rural County(2018),this paper uses Probit model to estimate and empirically-test how the development of digital economy affects the loan choices of rural households from the perspectives of digital technology development and allocation of population resources.The results show that digital technology development has a significant positive impact on the loan behavior of rural households as their participation in digital financial activities reduce the cost of loan for both parties,and the allocation of population resources has a significant negative impact on the loan behavior of rural households,which is mainly manifested in that the improvement of digital countryside development in the province has brought about an income increase to the rural households and reduced their needs for loans.关键词
数字经济/数字金融/借贷行为/正规借贷/数字乡村Key words
digital economy/digital finance/loan behavior/lawful lending/digital countryside分类
管理科学引用本文复制引用
梁建洪,王钧..数字经济发展对农户家庭借贷行为的影响[J].西南石油大学学报（社会科学版）,2023,25(6):21-30,10.
