重庆大学学报（社会科学版）2024，Vol.30Issue(3)：70-85,16.DOI:10.11835/j.issn.1008-5831.jg.2023.09.002
数字普惠金融发展缓解融资约束研究
A study of the development of digital inclusive finance alleviating financing constraints:Empirical analysis based on agricultural enterprises
摘要
Abstract
With the vigorous development of digital economy,digital inclusive finance provides new possibilities and paths for alleviating the financing constraints of agriculture-related enterprises. By matching the municipal data of Peking University Digital Inclusive Finance from 2011 to 2020 with the data of China agriculture-related enterprises,the authors empirically test the influence of the development of digital inclusive finance on the financing constraints of agriculture-related enterprises. The research shows that:1) The development of digital inclusive finance can significantly alleviate the financing constraints of agriculture-related enterprises,and this conclusion is still valid after various robustness tests. Among them,the influence of digital inclusive finance coverage is better than the depth of use and the degree of digitization 2) The development of digital inclusive finance can alleviate the financing constraints of agriculture-related enterprises by reducing financing costs and improving information transparency 3) The development of digital inclusive finance has a greater alleviation effect on the financing constraints of non-state-owned enterprises than that of state-owned enterprises,and it has a greater alleviation effect on the financing constraints of processing service enterprises than that of aquaculture and planting enterprises. The better the development of traditional finance,the more effective the development of digital inclusive finance will be in alleviating the financing constraints of enterprises. Generally speaking,the "profit-seeking" of digital inclusive finance is greater than its "inclusiveness" in alleviating the heterogeneity of financing constraints of agriculture-related enterprises. This paper provides theoretical reference and practical guidance for solving the financing problems of agriculture-related enterprises and boosting the development of agricultural economy under the background of "rural revitalization":First,we should continue to promote the development of digital inclusive finance and provide a large number of new financial services with rich formats for agriculture-related enterprises Second,agricultural enterprises should actively disclose information,reduce the degree of information asymmetry with financial institutions,and broaden their own financing channels Third,we should increase the support and resource inclination for backward areas and enterprises engaged in farming and planting,and give full play to the proper meaning of "digital inclusive finance".关键词
数字普惠金融/涉农企业/融资约束/融资成本/信息透明度Key words
digital inclusive finance/agriculture-related enterprises/financing constraints/financing cost/information transparency分类
管理科学引用本文复制引用
田霖,郭梦琪..数字普惠金融发展缓解融资约束研究[J].重庆大学学报（社会科学版）,2024,30(3):70-85,16.基金项目
国家社会科学基金项目"虚拟集聚背景下服务乡村振兴的金融包容体系重构研究"(20BJY117) （20BJY117）
国家留学基金委全额资助项目"金融地理学交叉学科拓展研究"(202007045045) （202007045045）
