作　　者： ;

机构地区： 中国人民银行

出　　处： 《金融研究》 2018年第11期68-84,共17页

摘　　要： 本文基于中国家庭金融调查和北京大学数字普惠金融指数,采用加入工具变量的面板数据回归,研究了数字金融对不同类别农村正规金融需求的异质性影响。结果表明:数字金融整体水平的提升一方面减少了农村生产性正规信贷需求概率,其中拥有智能手机的群体受影响更明显,另一方面也增加了农村消费性正规信贷需求概率,其中教育水平较高、有网购习惯的群体需求被激发较多,反映出数字金融提升效率、促进消费的多维度效应。本文的研究发现,农村金融需求正受到数字金融发展的深刻影响,可为未来农村金融政策提供有益参考。 Based on the Chinese Household Financial Survey and Digital Inclusive Financial Index of Peking University, this paper adopts a model with instrumental variables on panel data to study the heterogeneity of digital finance on different types of rural formal financial needs. The results show that different formats of digital finance have different effects on rural financial demand. On the one hand, development of digital finance reduces the level of productive rural formal credit demand. The effects with people using smartphones are more obvious. On the other hand, the demand for rural consumptive formal credit has increased with development of digital finance, especially for groups with higher education levels and online shopping habits, reflecting the multidimensional effects of digital finance such as improving transaction efficiency, and boosting consumption. For the first time, this paper conducts empirical research on the relationship between digital finance and rural financial needs, and also provides references for future rural financial policies.

关 键 词： 农村金融 数字普惠金融 异质性影响

领　　域： []