农户职业分化何以促进农村金融机构的水平信息联结——基于信息比较优势的视角

江西财经大学学报 ›› 2026, Vol. 0 ›› Issue (2): 87-99.

农户职业分化何以促进农村金融机构的水平信息联结——基于信息比较优势的视角

陈小知¹, 邓伟华², 米运生³

1.广东金融学院华南创新金融研究院,广东广州 510521;
2.广东财经大学国际商学院,广东佛山 528100;
3.华南农业大学经济管理学院,广东广州 510642

收稿日期:2024-06-18 修回日期:2026-01-25 出版日期:2026-03-25 发布日期:2026-03-31
通讯作者: 邓伟华,广东财经大学讲师,管理学博士,主要从事土地制度与农村金融研究,联系方式dengweihua@stu.scau.edu.cn。
作者简介:陈小知,广东金融学院助理研究员,管理学博士,主要从事农村金融研究;米运生,华南农业大学教授,博士生导师,经济学博士,主要从事土地制度与农村金融研究。
基金资助:
国家社会科学基金重大项目“乡村振兴与深化农村土地制度改革研究”（19ZDA115）; 国家社会科学基金后期资助项目“农村金融新范式：从不完全竞争到信息比较优势”（25FJYB039）; 广东省哲学社会科学规划项目“社会信用体系赋能中小企业创新质量提升的效应评估、影响机制与实现路径研究”（GD25ST08）

How Occupational Differentiation of Farmers Promotes Horizontal Information Linkages of Rural Financial Institutions: From the Perspective of Comparative Advantage in Information

Chen Xiao-zhi¹, Deng Wei-hua², Mi Yun-sheng³

1. Guangdong University of Finance, Guangzhou 510521;
2. Guangdong University of Finance and Economics, Foshan 528100;
3. South China Agricultural University, Guangzhou 510642, China

Received:2024-06-18 Revised:2026-01-25 Online:2026-03-25 Published:2026-03-31

摘要/Abstract

摘要： 农户职业分化使农村信息市场结构由不完全竞争演变为比较优势：正规金融部门和民间中介分别拥有农户还款能力、还款意愿的信息优势。为配合国家乡村振兴战略和应对竞争压力下的市场开拓,两部门可能以信息为载体而形成水平信息联结的合作模式。基于城镇化与农村经济转型的现实背景,构建农户职业分化引致信息比较优势形成金融联结的理论框架,并使用微观调查数据进行实证检验。研究发现,农户职业分化带来的信息比较优势,通过降低正规金融机构对农户贷款的抵押担保要求,向民间中介传递农户还款能力信号,促使两部门形成水平信息联结。进一步分析表明,数字金融使用带来的信息溢出效应会强化银行等正规金融机构的信息优势,从而降低金融两部门形成水平信息联结的可能性;金融两部门之间存在互补关系;水平信息联结效应在创业和中西部地区农户之中更显著。因此,在实践中,应基于农村信贷市场信息结构,构建农村金融机构水平信息联结模式,以促进农村金融市场深度发展。

关键词: 农户职业分化, 信息比较优势, 金融联结, 正规金融, 非正规金融

Abstract: The occupational differentiation of farmers has transformed the structure of the rural information market from imperfect competition to comparative advantage: the formal financial sector and the private intermediaries have information advantages in farmers'repayment ability and willingness, respectively. In order to cooperate with the national rural revitalization strategy and cope with market development under competitive pressure, the two departments may form a cooperative model of horizontal information connection through information as a carrier. Based on the realistic background of urbanization and rural economic transformation, this paper constructs a theoretical framework for the formation of financial connections through information comparative advantages caused by occupational differentiation of farmers, and conducts an empirical test with the micro survey data. Research has found that the information comparative advantage brought about by the occupational differentiation of farmers can be achieved by reducing the collateral requirements of formal financial institutions for farmers'loans, transmitting signals of farmers'repayment ability to private intermediaries, and promoting the formation of horizontal information connections between the two sectors. Further analysis shows that the information spillover effect brought about by the use of digital finance will strengthen the information advantage of formal financial institutions such as banks, thereby reducing the possibility of horizontal information linkage between the two financial sectors. There is a complementary relationship between the two financial sectors. The horizontal information linkage effect is more significant among entrepreneurs and farmers in the central and western regions. Therefore, in practice, a horizontal information linkage model for rural financial institutions should be constructed based on the information structure of the rural credit market to promote the deep development of the rural financial market.

Key words: occupational differentiation of farmers, comparative information advantage, financial linkage, formal finance, informal finance

中图分类号:

F323
F832

陈小知, 邓伟华, 米运生. 农户职业分化何以促进农村金融机构的水平信息联结——基于信息比较优势的视角[J]. 江西财经大学学报, 2026, 0(2): 87-99.

Chen Xiao-zhi, Deng Wei-hua, Mi Yun-sheng. How Occupational Differentiation of Farmers Promotes Horizontal Information Linkages of Rural Financial Institutions: From the Perspective of Comparative Advantage in Information[J]. Journal of Jiangxi University of Finance and Economics, 2026, 0(2): 87-99.

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