数字经济发展对农户家庭借贷行为的影响

The Influence of the Development of Digital Economy on Rural Households’Loan Behavior

实施乡村振兴战略,实现乡村地区产业兴旺、治理有效、生活富裕,需要现代金融服务体系的有力支持。在数字经济飞速发展的今天,金融数字化对农村家庭融资的影响值得深入研究。基于中国家庭金融调查和《县域数字乡村指数(2018)》的截面数据,采用Probit模型从数字技术发展和人口资源配置两个方面检验数字经济发展对农户家庭借贷选择产生的影响,结果发现:数字技术发展对农户借贷行为具有显著的正向影响,主要体现为数字金融活动参与降低了农村借贷双方的借贷成本;人口资源配置对农户借贷行为具有显著负向影响,主要表现为省内数字乡村发展水平提高带来了农户收入水平的提高,降低了其借贷需求。

In order to effectively implement the rural revitalization strategy and realize the prosperity of industry,effective governance and prosperous life,we need the support of modern financial service system.Based on the sectional data of China Household Finance Survey(CHFS)and Index of Digital Rural County(2018),this paper uses Probit model to estimate and empirically-test how the development of digital economy affects the loan choices of rural households from the perspectives of digital technology development and allocation of population resources.The results show that digital technology development has a significant positive impact on the loan behavior of rural households as their participation in digital financial activities reduce the cost of loan for both parties,and the allocation of population resources has a significant negative impact on the loan behavior of rural households,which is mainly manifested in that the improvement of digital countryside development in the province has brought about an income increase to the rural households and reduced their needs for loans.