中国农业大学学报2025，Vol.30Issue(3)：245-258,14.DOI:10.11841/j.issn.1007-4333.2025.03.22
数字乡村发展如何影响农户正规信贷约束与信贷规模?
How does digital rural development affect the formal credit constraints and credit scale of farmers?
摘要
Abstract
To clarify the effects and mechanisms of digital rural development on formal credit for farmers.This study empirically examines the impact of digital rural development on farmers'formal credit constraints and credit scales based on the county-level digital rural index and Chinese household tracking survey data.The results indicate that:1)Digital rural development can effectively alleviate the constraints of formal credit for farmers,but it has suppressed the growth of formal credit scale for farmers,which reflects that the role of rural credit tools has not been effectively played to some extent.2)Heterogeneity analysis found that the development of digital rural areas has a"long tail"effect on the formal credit of farmers.3)Mechanism discussions have found that information utilization and risk perception are the mechanisms of digital rural development affecting farmers'formal credit constraints and credit scale,respectively.Based on this,it is recommended to deepen the development of digital rural areas and accelerate the development of rural credit systems.Meanwhile,focus on making the achievements of digital rural development and rural financial development benefit more farmers.关键词
数字乡村/正规信贷约束/正规信贷规模/"长尾"/信息利用/风险感知Key words
digital rural development/formal credit constraints/formal credit scale/"long tail"/information utilization/risk perception分类
管理科学引用本文复制引用
余泽梁,郭沛,何琳..数字乡村发展如何影响农户正规信贷约束与信贷规模?[J].中国农业大学学报,2025,30(3):245-258,14.基金项目
国家自然科学基金青年项目(72304102) （72304102）
广东省哲学社会科学规划青年项目(GD21YGL02) （GD21YGL02）
