Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.

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 exami...

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Autores principales:	Gao Yu, Hu Xiang
Formato:	article
Lenguaje:	EN
Publicado:	Public Library of Science (PLoS) 2021
Materias:	Medicine R Science Q
Acceso en línea:	https://doaj.org/article/dbe5c51d1754435f84679a32f405fdcd
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id	oai:doaj.org-article:dbe5c51d1754435f84679a32f405fdcd
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spelling	oai:doaj.org-article:dbe5c51d1754435f84679a32f405fdcd2021-12-02T20:13:39ZRural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.1932-620310.1371/journal.pone.0258162https://doaj.org/article/dbe5c51d1754435f84679a32f405fdcd2021-01-01T00:00:00Zhttps://doi.org/10.1371/journal.pone.0258162https://doaj.org/toc/1932-6203This 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.Gao YuHu XiangPublic Library of Science (PLoS)articleMedicineRScienceQENPLoS ONE, Vol 16, Iss 10, p e0258162 (2021)
institution	DOAJ
collection	DOAJ
language	EN
topic	Medicine R Science Q
spellingShingle	Medicine R Science Q Gao Yu Hu Xiang Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
description	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.
format	article
author	Gao Yu Hu Xiang
author_facet	Gao Yu Hu Xiang
author_sort	Gao Yu
title	Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
title_short	Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
title_full	Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
title_fullStr	Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
title_full_unstemmed	Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.
title_sort	rural e-commerce development and farmers' digital credit behavior: evidence from china family panel studies.
publisher	Public Library of Science (PLoS)
publishDate	2021
url	https://doaj.org/article/dbe5c51d1754435f84679a32f405fdcd
work_keys_str_mv	AT gaoyu ruralecommercedevelopmentandfarmersdigitalcreditbehaviorevidencefromchinafamilypanelstudies AT huxiang ruralecommercedevelopmentandfarmersdigitalcreditbehaviorevidencefromchinafamilypanelstudies
_version_	1718374796206538752

Rural E-commerce development and farmers' digital credit behavior: Evidence from China family panel studies.

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