Abstract：Based on the China Rural Revitalization Survey (CRRS) database, this paper empirically examines the impact of digital finance on the credit availability and multi-dimensional income of target rural households, and the results show that:（1）Digital finance has a more significant impact on the availability of credit for rural households with borrowing needs, labor ability and learning ability, and digital finance has an amplification mechanism on the credit demand side among the target farmer groups, supporting rural household credit shift from nominal demand to effective demand. （2）Hardware equipment, network conditions and village information network delivery will all affect the targeting of target farmers by digital finance, but the effect of the impact varies in different target groups. Hardware equipment and network conditions have the greatest impact on the sample of farmers with borrowing needs, and village information network delivery has the most significant impact on the sample of farmers with learning ability. （3）Among the samples of three types of farmers with borrowing needs, labor capacity and learning capacity, digital finance has a mediating effect on the property income of the target farmers with credit availability as the mediating variable; in the samples with labor capacity and with learning capacity, credit availability plays a complete intermediary role in the impact of digital finance on non-agricultural operating income of target farmers; digital finance has a significant positive impact on wages/entrepreneurial income of three types of farmers, but this effect is not realized through the intermediary effect of credit availability. These conclusions remain valid after considering robustness and endogeneity issues.
安丛梅. 数字金融如何精准促进目标农户增收[J]. 《深圳大学学报》（人文社科版）, 2024, 41(1): 83-93.
AN Cong-mei. How Digital Finance Accurately Promotes Income Increase of Target Rural Households. , 2024, 41(1): 83-93.
2024, Vol. 41 
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