技术与农户普惠金融

Transaction Cost Heterogeneity,ICT and Farmers’ Financial Inclusion

本文基于时间交易成本模型分析了信息通讯技术对农户普惠金融发展的影响作用机理,并结合2014年CFPS的微观调查数据,运用有序Probit模型分析了技术对农户普惠金融发展水平的影响。通过研究发现,技术可以促进农户普惠金融发展。与不会使用互联网或者会上网人数较少的农户相比,会上网和上网人数较多的农户中普惠金融发展水平更高;相比于方便到达金融机构的农户而言,在远离金融机构的农户中,技术对普惠金融发展的促进作用更大。据此,提出如何通过技术提升农户普惠金融发展水平的政策启示。

Based on the data of 2014 China Family Panel Studies( CFPS),this paper analyzes the influence of informational and communication technology( ICT) on the development of rural households’ financial inclusion by using the Ordered-probit Model.The results show that:( 1) ICT can promote the development of rural households’ financial inclusion.Compared with rural households with low ICT technology,the rural households with high levels of ICT development have higher levels of financial inclusion. Considering the heterogeneity of the transaction costs of farmers,it is found that ICTs promote the development of rural households’ financial inclusion to be higher than those with lower transaction costs. Accordingly,this paper presents policy recommendations on how to promote the development level of financial inclusion of poor farmers in remote areas through ICT.