The Credit Financing Effect of Digital Agriculture Development:Evidence from Family Farms in Jiangsu Province
Based on the field survey data of family farms in Jiangsu Province,this paper examines the effect of credit financing and its mechanisms in the development of digital agriculture.The results show that digital agriculture development significantly enhances the credit availability and credit financing scale of family farms,exerting a credit financing effect.Mechanism analysis shows that digital agriculture development promotes family farm financing by alleviating information asymmetry,reducing credit transaction costs,and enhancing risk resistance capabilities.Heterogeneity analysis reveals that digital agriculture development has a more significant financing enhancement effect on family farms with better local agricultural technology development environments and higher levels of agricultural technician service,as well as on family farmers with lower capital endowments and lower financial cognitive ability and family farms engaged in grain crop farming,demonstrating the inclusiveness of the digital economy.This paper tests the role of digital technology in enhancing credit financing for family farms,and the conclusions provide references for making new progress and achievements in promoting rural revitalization and building a digital China.
Digital AgricultureFamily FarmsFinancing EffectCredit AvailabilityCredit Scale
万方数据
