The lack of rural financial resources and unbalanced supply have seriously inhibited the increase of farmers' production income and living consumption. Based on farmers with different incomes as the research object, this paper analyzes the characteristics of their credit constraint behavior, and uses the Probit model and the Heckman two-stage model to empirically analyze the impact of Internet technology adoption on farmers' digital credit behavior. The conclusions are: Firstly, the empirical results of this paper find that the use of internet technology has an inhibitory effect on the overall credit constraints of farmers, the most effective of which is the acceptance of internet finance. Secondly, in terms of heterogeneity, this paper finds that in farmers with higher household income, the effect of internet finance and Internet use has a greater inhibitory effect on the formation of credit constraints.

Wanying Huang, Xiaojuan Wang. The impact of internet technology adoption on credit constraints of farmers with different income levels. Academic Journal of Business & Management (2022) Vol. 4, Issue 8: 85-93. https://doi.org/10.25236/AJBM.2022.040813.

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