The Impact of Information Technology Development on the Loan Size of Farms in China ——An Empirical Test Based on Mediating Effect Model

doi:10.3969/j.issn.1005-6378.2018.02.012

Abstract

Abstract: A report released by the World Bank in 2016 pointed out that the development of information technology(IT)may lead to new inequities due to regional differences. Due to the existence of the dual structure of urban and rural areas and the huge differences in the regional economic development, traffic conditions and other aspects in China, whether information technology has impacts on obtaining loans of farmers in different areas? How to impact? Based on the panel data of 31 provinces(municipalities and autonomous regions)in China from 2006 to 2012, this paper establishes the econometric model to test the relationship between the development of IT and the growth of farmer’ loans, and then test the three possible ways respectively from the supply, demand and supply-demand under the mediating effect model. The results show that the development of IT is conducive to the expansion of the scale of farmer loans. IT’s development can increase the supply of farmer’ loans by raising the number of rural financial institutions and broadening the channels of farmer information. At the same time, the scale of farmer’ loans is also affected by the rural traffic condition, economic condition, and farmers’ quality.

Key words: information technology, farmers’ loan, supply side and demand side, panel data, mediating effect model

CLC Number:

F832.43

ZHANG Zheng-ping,YANG Shu-han. The Impact of Information Technology Development on the Loan Size of Farms in China ——An Empirical Test Based on Mediating Effect Model[J]. JOURNAL OF HEBEI UNIVERSITY (Philosophy and Social Science), 2018, 43(2): 83-91.

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