Điện thoại thông minh thúc đẩy tiếp cận tín dụng của hộ gia đình ở Tây Bắc, Việt Nam: Hàm ý chính sách ứng dụng công nghệ số trong thúc đẩy tài chính toàn diện ở nông thôn

Luận Đỗ Xuân

doi:10.24311/jabes/2019.30.11.1

Các tác giả

Đỗ Xuân Luận Trường Đại học Nông Lâm, Đại học Thái Nguyên Tác giả

DOI:

https://doi.org/10.24311/jabes/2019.30.11.1

Từ khóa:

Công nghệ số, Điện thoại thông minh, Hộ gia đình ở nông thôn, Tây Bắc, Việt Nam, Tín dụng

Tóm tắt

Nghiên cứu nhằm kiểm định giả thuyết cho rằng sở hữu điện thoại thông minh tăng khả năng tiếp cận tín dụng ngân hàng của hộ gia đình ở nông thôn. Nghiên cứu phát triển mô hình Probit với biến công cụ (IVprobit) để phân tích số liệu thu thập từ phỏng vấn trực tiếp 539 hộ gia đình ở nông thôn vùng Tây Bắc Việt Nam. Kết quả cho thấy sở hữu điện thoại thông minh có tương quan thuận tới khả năng tiếp cận tín dụng chính thức của các hộ gia đình ở nông thôn. Điện thoại thông minh giúp người dân tiếp cận các thông tin về nguồn vốn, điều kiện và quy trình vay vốn thuận tiện hơn. Điện thoại thông minh cũng giúp người dân nắm bắt được các kiến thức sản xuất, kinh doanh để tăng kiến thức, năng lực tiếp cận và sử dụng vốn vay. Kết quả nghiên cứu hàm ý rằng việc phát triển các ứng dụng trên điện thoại thông minh để cung ứng tín dụng và các dịch vụ ngân hàng khác tới khu vực nông thôn miền núi là tiềm năng, để giảm chi phí giao dịch và sự phụ thuộc vào tài sản thế chấp. Tuy vậy, các rủi ro tiềm ẩn trong giao dịch cần được giảm thiểu để tăng niềm tin của người sử dụng. Ngoài ra, nâng cao năng lực cho người dân nông thôn trong ứng dụng công nghệ số vào sản xuất, kinh doanh là rất cần thiết.

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