數(shù)字信用與農(nóng)戶正規(guī)信貸可得性：影響效應(yīng)與作用機(jī)制

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中圖分類號(hào)：F832.4 文獻(xiàn)標(biāo)識(shí)碼：A 文章編號(hào)：1004-0714（2025）07-0046-10

Abstract：Digitalcredit，asanemerging methodandcarrier forquantifyingcreditinformation，offerscommercialbanksanew means of accessing farmers’“softinformation”However，whether digital creditcanenhance farmers’access to formal credit remains to be explored and proven.Using microdata fromfarmers asa sample，this paper empirically examines therelationship between digital credit and farmers’access to formalicredit.The study finds that digital credit hasa significant positive impact onfarmers’accessto formalcredit;asdigital credit scoresincrease，theprobabilityoffarmers obtaining formal credit rises markedly.Thisconclusion holdstrueafteraseries of robustness checks.Mechanismanalysisindicatesthat digitalcredit improves access to formal credit by helping banks acquire soft information，suchas repayment willingness，and by enhancing farmers’social capital.Further analysis reveals that digital credit has a greatereffect onenhancingcreditaccess formigrantworkersand farmersinless developedareas.Thisstudy uncoverstheroleofdigitalcreditinthefieldofformalcreditforfarmers，providinginsightsfor policy makers andfinancial institutions to promote the healthy development of China’s farmer credit business and contributeto rural revitalization.

Keywords：Digital Credit;Formal Credit for Farmers;Credit Accessibilit

一、引言

隨著農(nóng)業(yè)農(nóng)村的現(xiàn)代化轉(zhuǎn)型，為支持消費(fèi)升級(jí)、生產(chǎn)力發(fā)展和農(nóng)民收入的提高，正規(guī)信貸變得愈發(fā)重要。（剩余19496字）