农民工使用互联网金融的影响因素分析（英文）

Factors affecting farmer-workers to use E-finance

在金融抑制与金融发展理论框架下,运用二元逻辑模型研究影响农民工使用互联网金融的相关因素.结果表明,农民工的收入以及受教育程度对使用互联网金融具有较明显的相关性,而性别、传统借贷行为对他们是否使用互联网金融没有影响.新一代农民工逐渐成为劳动力主力,他们更愿意选择互联网金融作为借贷方式.

Factors affecting farmer-workers to use E-finance had been investigated with binary logistic model in the context of financial deepening and financial development theorem.It was found that income per month of farm workers and education degree would affect their behave of using in E-finance, while sex and traditional lending activity had no significant relationship with their usage of E-finance.It could be found that E-finance would be popular with more and more new generation farm workers flowing into the labor market as well as the financial market.