FinTech信贷规模能刺激金融机构提升涉农贷款占比吗？

doi:10.16381/j.cnki.issn1003-207x.2019.1262

中国管理科学 ›› 2022, Vol. 30 ›› Issue (5): 76-85.doi: 10.16381/j.cnki.issn1003-207x.2019.1262

• 论文 • 上一篇

FinTech信贷规模能刺激金融机构提升涉农贷款占比吗？

陈小辉¹, 张红伟², 文佳³, 吴永超²

1.宜宾学院经济与工商管理学部，四川宜宾640000；2.四川大学经济学院，四川成都610064；3.中国人民银行海口中心支行，海南海口570105

收稿日期:2019-08-25 修回日期:2019-12-09 发布日期:2022-06-01
通讯作者: 陈小辉(1974-)，男(汉族)，四川兴文人，宜宾学院经济与工商管理学部，副教授(校聘)，研究方向：金融科技、数字经济、金融监管，Email：m_cxh@163.com. E-mail:m_cxh@163.com
基金资助:
国家社会科学基金资助项目(18BJY227)

Can FinTech Credit Scale Stimulate Financial Institutions to Increase the Proportion of Agricultural-related Loans?

CHEN Xiao-hui¹, ZHANG Hong-wei², WEN Jia³, WU Yong-chao²

1. Faculty of Economics and Business Administration,Yibin University, Yibin 640000, China; 2. School of Economics,Sichuan University,Chengdu 610064, China; 3. Haikou Central Sub-branch of The People’s Bank of China, Haikou 570105, China

Received:2019-08-25 Revised:2019-12-09 Published:2022-06-01
Contact: 陈小辉 E-mail:m_cxh@163.com

摘要/Abstract

摘要： 金融科技提升了金融机构的风险承担水平。作为一类重要的金融科技，非金融机构的FinTech信贷规模能因为刺激金融机构提升风险承担水平，而使其加大涉农贷款投放以提高涉农贷款占比吗？本文将非金融机构的FinTech信贷规模及金融机构风险承担水平引入Opiela的模型，构建代表性金融机构的目标函数和约束条件，进行理论分析并提出研究假说；然后基于2009—2017年中国31个省市区平衡面板数据，采用个体固定效应模型，检验研究假说，探讨FinTech信贷规模与涉农贷款占比之间的关系问题。研究结果表明，FinTech信贷规模可提升金融机构的涉农贷款占比，但涉农贷款占比增速边际递减。进一步研究表明，市场化水平和房地产发展状况还通过FinTech信贷规模的部分中介效应，间接影响涉农贷款占比。最后，就发展FinTech信贷、助力乡村振兴战略的实施提出了相关政策建议。

关键词: FinTech信贷；风险承担水平；涉农贷款；市场化水平

Abstract: FinTech has improved the risk-taking level of financial institutions. As one kind of important FinTech, can the scale of FinTech credit of non-financial institutions stimulate the financial institutions to increase the investment of agricultural-related loans and raise the proportion of agricultural-related loans due to the improvement of risk-taking level?

Key words: FinTech credit; risk takinglevel; agricultural-relatedloan; marketization level

中图分类号:

F014.4

陈小辉, 张红伟, 文佳, 吴永超. FinTech信贷规模能刺激金融机构提升涉农贷款占比吗？[J]. 中国管理科学, 2022, 30(5): 76-85.

CHEN Xiao-hui, ZHANG Hong-wei, WEN Jia, WU Yong-chao. Can FinTech Credit Scale Stimulate Financial Institutions to Increase the Proportion of Agricultural-related Loans?[J]. Chinese Journal of Management Science, 2022, 30(5): 76-85.

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FinTech信贷规模能刺激金融机构提升涉农贷款占比吗？

Can FinTech Credit Scale Stimulate Financial Institutions to Increase the Proportion of Agricultural-related Loans?

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