 Digital inclusive finance harvest: Cultivating creditworthiness for small agricultural businessesChen Zhang and Yanjun Li Pacific-Basin Finance Journal, 2025, vol. 91, issue C Abstract: Digital inclusive finance (DIF) is progressively reshaping traditional banking through innovative technology to address global challenges. The wide range of digital products and services provided by DIF empowers enterprises, enhancing profitability and local competitiveness. This study systematically investigates the impact of DIF on firm creditworthiness, measured by red- or blacklisting in the National Enterprise Credit Information Publicity System. Using firm-level panel data from small and micro agricultural enterprises, we find that higher county-level DIF indices significantly reduce the likelihood of blacklisting while increasing red-listing. The most influential factors are credit investigations and online investment trends. Notably, firms that had previously faced unfavorable loan conditions due to factors like ownership, size, or industry benefited the most from DIF. Keywords: Digital inclusive finance; Agricultural enterprises; Creditworthiness; Red-listing and blacklisting; NECIPS (search for similar items in EconPapers) Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:eee:pacfin:v:91:y:2025:i:c:s0927538x2500068x DOI: 10.1016/j.pacfin.2025.102731 Access Statistics for this article Pacific-Basin Finance Journal is currently edited by K. Chan and S. Ghon Rhee More articles in Pacific-Basin Finance Journal from Elsevier |
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