The Influence of the Development of Digital Economy on Rural Households' Loan Behavior

doi:10.11885/j.issn.1674-5094.2023.05.04.04

Abstract

Abstract: In order to effectively implement the rural revitalization strategy and realize the prosperity of industry, effective governance and prosperous life, we need the support of modern financial service system. Based on the sectional data of China Household Finance Survey (CHFS) and Index of Digital Rural County (2018), this paper uses Probit model to estimate and empirically-test how the development of digital economy affects the loan choices of rural households from the perspectives of digital technology development and allocation of population resources. The results show that digital technology development has a significant positive impact on the loan behavior of rural households as their participation in digital financial activities reduce the cost of loan for both parties, and the allocation of population resources has a significant negative impact on the loan behavior of rural households, which is mainly manifested in that the improvement of digital countryside development in the province has brought about an income increase to the rural households and reduced their needs for loans.

Key words: digital economy, digital finance, loan behavior, lawful lending, digital countryside

CLC Number:

F318

LIANG Jianhong, WANG Jun. The Influence of the Development of Digital Economy on Rural Households' Loan Behavior[J]. Journal of Southwest Petroleum University(Social Sciences Edition), 2023, 25(6): 21-30.

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URL: http://journal15.magtechjournal.com/Jwk_xnsk/EN/10.11885/j.issn.1674-5094.2023.05.04.04

http://journal15.magtechjournal.com/Jwk_xnsk/EN/Y2023/V25/I6/21

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