作　者：韦倩 徐榕
关键词：互联网；信贷排斥；IV-Probit 模型
摘　要：

现阶段中国居民的信贷需求还没有得到充分满足，信贷排斥现象普遍存在。基于中国家庭追踪调查（CFPS）2014 年、2016 年及2018 年的数据，利用Probit 模型估计，可以发现：提高互联网使用强度，能显著缓解居民信贷排斥，人力资本效应、收入效应和健康效应在其中发挥重要作用；城镇、高收入以及受教育程度较高的三类群体，使用互联网能够更有效地缓解其信贷约束，显著降低信贷排斥的概率。今后宜从提升全民数字技能、增加乡村教育投入、完善普惠金融体系、推动互联网金融发展入手，提供更多信贷可能，增加居民在信贷市场上的优势。

  

The Use of the Internet and the Alleviation of Credit Exclusion

Based on the Data from China Family Panel Studies

Wei Qian，Xu Rong（Shandong University）

Abstract Chinese residents' credit needs have not been fully satisfied, and credit exclusion is widespread at this stage. Based on the data of the China Family Panel Studies (CFPS) in 2014, 2016 and 2018, and using the Probit model estimation, this study found that increasing the intensity of internet use can significantly alleviate residents' credit exclusion, in which human capital effect, income effect and health effect play an important role. The urban, high-income, and highly-educated groups can use the internet more effectively to ease their credit constraints and significantly reduce the probability of credit exclusion. In the future, we can start by improving the digital skills of all citizens, increasing investment in rural education, completing the inclusive financial system and developing the internet finance so as to provide more credit possibilities and increase residents' advantages in the credit market.

Key words         internet；credit exclusion；IV-Probit model

 

■作者简介 韦 倩，经济学博士，山东大学经济研究院教授、博士生导师；山东 济南 250000；徐 榕，山东大学经济研究院博士研究生。

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