Based on the theoretical analysis of the relationship between digital finance and rural residents'Internet lending,this article empirically analyzes the impact of digital finance on rural resi-dents'Internet lending accessibility and the amount of lending by applying Probit model and Tobit mod-el.The results of the study show that:first,digital finance significantly increases the probability of rural residents'accessibility to Internet lending and the amount of lending,effectively alleviating the credit constraint.Second,the payment function is the main way for digital finance to enhance the accessibility and amount of lending,and the degree of digitization,payment index and breadth of cover-age have a decreasing effect on the impact of Inter-net lending.Thirdly,through the characteristics of wide coverage,low cost and universality,digital finance breaks through the time and space limita-tions,provides comprehensive financial services for the'long tail'customer groups,enhances the lending opportunities and financing amount of rural residents excluded from traditional finance,and promotes the inclusive and universal development of the financial industry.
Digital financeInternet lending for rural residentsFinancial accessibility'Long tail'effect
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NSTL
万方数据
