数字农业发展的信贷融资效应——来自江苏省家庭农场的证据

The Credit Financing Effect of Digital Agriculture Development:Evidence from Family Farms in Jiangsu Province

本文使用江苏省家庭农场实地问卷调查数据,考察了数字农业发展的信贷融资效应及其作用机制。研究发现:数字农业发展显著提升了家庭农场的信贷可得性与信贷融资规模,发挥了信贷融资效应。机制分析表明,数字农业发展通过缓解信息不对称程度、降低信贷交易成本和提升风险抵御能力,促进了家庭农场融资。异质性分析发现,数字农业发展对于所在地农业技术发展环境较好、农技人员服务水平较高的家庭农场,以及家庭农场主资本禀赋较低、金融认知能力较低以及种植粮食作物的家庭农场具有更显著的融资增进作用,这呈现数字经济的包容性特征。本文检验了数字技术对家庭农场的信贷融资增进作用,文章结论能为推动乡村振兴取得新进展、数字中国建设取得新成效提供参考。

Based on the field survey data of family farms in Jiangsu Province,this paper examines the effect of credit financing and its mechanisms in the development of digital agriculture.The results show that digital agriculture development significantly enhances the credit availability and credit financing scale of family farms,exerting a credit financing effect.Mechanism analysis shows that digital agriculture development promotes family farm financing by alleviating information asymmetry,reducing credit transaction costs,and enhancing risk resistance capabilities.Heterogeneity analysis reveals that digital agriculture development has a more significant financing enhancement effect on family farms with better local agricultural technology development environments and higher levels of agricultural technician service,as well as on family farmers with lower capital endowments and lower financial cognitive ability and family farms engaged in grain crop farming,demonstrating the inclusiveness of the digital economy.This paper tests the role of digital technology in enhancing credit financing for family farms,and the conclusions provide references for making new progress and achievements in promoting rural revitalization and building a digital China.