数字信用与农户正规信贷可得性：影响效应与作用机制

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中图分类号：F832.4 文献标识码：A 文章编号：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

随着农业农村的现代化转型，为支持消费升级、生产力发展和农民收入的提高，正规信贷变得愈发重要。（剩余19496字）