数字信贷对农户生产和消费影响的实证研究——以浙江杭州为例

Empirical Research on the Impact of Digital Credit on Farmers’Production and Consumption——Case Study of Hangzhou,Zhejiang Province

论文基于浙江省杭州市临安区农户的调研数据,采用OLS多元回归模型,研究了数字信贷对农户生产和消费的影响。结果表明:数字信贷与农户生产投资支出和生活消费支出均呈显著的正相关关系。进一步研究发现,数字信贷不仅促进了农户生产经营收入的提高,影响农业生产绩效,而且对农户消费结构产生一定影响,促进农户网络消费的提升。同时,异质性检验结果显示,数字信贷对主要从事农业生产经营活动农户的生产投资影响更大,而对从事非农生产活动为主的农户的消费影响更大。农户的生产投资活动和生活消费均会受到数字信贷的深刻影响,这在一定程度上可为农村数字信贷在农村地区的发展方向提供政策启示。

Based on the survey of farmers in Linan District,Hangzhou City,Zhejiang Province,this paper uses OLS multiple regression model to analyze the impact of digital credit on Farmers’production and consumption.The empirical results show that there is a significant positive correlation between digital credit and farmers’production investment expenditure and living consumption expenditure.Further study found out that digital credit not only increases farmers’production income,affects agricultural production performance,but also has a certain impact on Farmers’consumption structure as well as increasing their online consumption.At the same time,the heterogeneity test shows that digital credit has a greater impact on the production and investment of farmers mainly engaged in agricultural activities,and has a greater impact on the consumption of farmers who mainly engaged in non-agricultural activities.This paper also finds out that the production and investment activities and living consumption of farmers will be deeply affected by digital credit,which can provide useful reference for the promotion of digital credit products and models in rural areas to a certain extent.