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Rural E-commerce development and farmers’ digital credit behavior: Evidence from China family panel studies
- Source :
- PLoS ONE, PLoS ONE, Vol 16, Iss 10, p e0258162 (2021), PLoS ONE, Vol 16, Iss 10 (2021)
- Publication Year :
- 2021
- Publisher :
- Public Library of Science (PLoS), 2021.
-
Abstract
- This paper examines the impact of rural e-commerce development on rural households’ digital credit behavior at the micro-level by using a multivariate Probit model and propensity score matching method with rural residents in the China Family Panel Studies (CFPS) database. Specifically, we examine the complementary or substitution relationship between digital credit and traditional bank credit and the impact of participation in e-commerce on the scale of digital credit of rural households. The empirical results show that there is a substitution relationship between digital credit and traditional bank credit. Participation in e-commerce has a positive impact on the scale of digital credit and the full scale of credit obtained by farmers, with an increase of $0.922 million and $37.49 million in the scale of digital credit and real credit received by farmers who participate in e-commerce, respectively, compared with those who do not participate in e-commerce. Further tests revealed that the difference in capital endowment was an essential reason for the disparity in the size of digital credit received among e-commerce farmers.
- Subjects :
- Rural Population
Economics
Statistics as Topic
Social Sciences
E-commerce
Bank credit
Mathematical and Statistical Techniques
Sociology
Computer Networks
Geographic Areas
ComputingMilieux_MISCELLANEOUS
Family Characteristics
Farmers
Multidisciplinary
Geography
Statistics
Commerce
Professions
Capital (economics)
Scale (social sciences)
Physical Sciences
Medicine
Agricultural Workers
Research Article
China
Computer and Information Sciences
Endowment
Science
Research and Analysis Methods
Instrumental Variable Analysis
Education
Multivariate probit model
Humans
Family
Asymmetric Information
Statistical Methods
Educational Attainment
Internet
business.industry
Models, Theoretical
Information Economics
Rural Areas
Public Finance
People and Places
Propensity score matching
Money Supply and Banking
Earth Sciences
Population Groupings
Demographic economics
business
Finance
Mathematics
Subjects
Details
- ISSN :
- 19326203
- Volume :
- 16
- Database :
- OpenAIRE
- Journal :
- PLOS ONE
- Accession number :
- edsair.doi.dedup.....60006fad1ad5973115ed7c8028fce4bf