The whole village rating credit is the main mode of credit loan promotion for rural house-holds in China.Investigating its impact on the urban-rural income gap within a county can provide a scientific basis for exploring the path of rural financial reform under the goal of promoting common prosperity.Drawing on credit allocation theory,this paper explores the effects of promoting credit loans for farmers from both the supply and demand perspectives,revealing its influence on the ur-ban-rural income disparity within counties.Empirical tests are conducted using quasi-natural experi-ments from 102 counties in typical experimental regions.The findings indicate that promoting credit loans for farmers helps narrow the urban-rural income gap within counties,and this conclusion re-mains robust across various tests.By increasing both the supply and demand in rural credit markets,the promotion of credit loans for farmers can reduce the outflow of funds from villages,thereby impacting the income disparity between urban and rural areas.Furthermore,in counties with high levels of banking financial technology adoption and a strong primary industry sector,the effect of promoting credit loans for farmers is more pronounced.This study provides empirical evi-dence for banks to advance rural credit loans and contribute to achieving common prosperity through the whole village credit rating system.
关键词
农户信用贷款/农村资金外流/城乡收入差距/共同富裕
Key words
Farmers'Credit Loan/Rural Capital Outflow/Urban-rural Income Gap/Common Pros-perity
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