数字金融与家庭农场经营绩效

Digital Finance and Family Farm Performance

高质量发展的家庭农场是促进农业现代化和推动乡村产业振兴的重要主体。本文在柯布-道格拉斯生产函数中引入数字金融创新产出弹性进行理论分析,采用2021年江苏省6县487家家庭农场微观调查数据,实证分析数字金融对家庭农场经营绩效的影响。研究发现,数字金融通过缓解融资约束、降低雇佣监督成本和提升信息获取能力,显著提高家庭农场经营绩效,且对种植型和资源禀赋较差的家庭农场影响更大。本文不仅丰富了微观角度下农村数字金融的相关研究,还为提高家庭农场经营活力提供了新的视角,对充分发挥数字金融的包容性和培育高质量家庭农场具有重要的现实意义。

Family farms with high-quality development is instrumental in promoting the development of modern agriculture and the revitalization of rural industries.The paper introduces the output elasticity of digital finance into the Cobb-Douglas production function for theoretical analysis,and uses the micro survey data of 487 family farms in 6 counties of Jiangsu Province in 2021 to empirically analyze the impact of digital finance on the operating performance.The study finds that digital finance significantly boosts the operating performance of family farms by alleviating financing constraints,reducing employment supervision costs and improving access to information,and has a greater impact on family farms with planting and poor resource endowment.This study not only enriches the relevant research on rural digital finance from the micro perspective,but also provides a new perspective for improving the business vitality of family farms,which is of great practical significance for giving full play to the inclusiveness of digital finance and cultivating high-quality family farms.