互联网使用情况对农村家庭金融排斥的影响--基于CHFS 2017数据的实证分析

The impact of Internet usage on rural household financial exclusion-An empirical analysis based on CHFS 2017

基于CHFS 2017数据,实证分析互联网使用情况对农村家庭金融排斥的影响及其作用机制。研究发现:互联网使用情况显著负向影响农村家庭金融排斥,对支付储蓄排斥、信贷排斥和商业保险排斥均具有显著的抑制作用,其中对支付储蓄排斥的抑制作用最为显著,对信贷排斥的抑制作用次之,对商业保险排斥的抑制作用最小;互联网使用情况对农村家庭金融排斥的影响存在显著的年龄差异和区域差异,互联网使用情况对户主为老年和东部地区的农村家庭金融排斥的影响最为显著;社会互动和信息关注在互联网使用情况对农村家庭金融排斥的影响中发挥中介作用。据此提出,应进一步提高农村家庭互联网使用率、拓展线上线下社会互动渠道、提升农村居民的信息关注度等,以推进农村普惠金融发展。

Based on CHFS 2017 data,this paper analyzes the impact of Internet usage on rural household financial exclusion and its mechanism.The study finds that Internet usage significantly reduces rural household financial exclusion,and has a significant inhibitory impact on payment and savings exclusion,credit exclusion,and commercial insurance exclusion,with the most significant inhibitory effect on payment and savings exclusion,the second most significant inhibitory effect on credit exclusion and the least significant inhibitory effect on commercial insurance exclusion.There are significant age differences and regional differences in the impact of Internet usage on rural household financial exclusion.Internet usage has the most significant impact on financial exclusion in rural households headed by the elderly and rural households in the eastern region.Social interaction and information attention play mediating roles in the relationship between Internet usage and rural household financial exclusion.According to the results,this paper puts forward such countermeasures as improving Internet usage rate in rural households,expanding online and offline social interaction channels,and enhancing rural residents′information attention,so as to promote the development of rural inclusive finance.