In the context of the rapid development of digital finance, some financial technology companies exhibit the phenomenon of "AI washing," where they overstate their AI capabilities while underinvesting in actual AI resources. This paper constructs a corporate-level AI washing index based on CHFS2019 data and AI investment data from 15-20 financial technology companies, analyzing and testing its impact on farmers' digital financial behavior response. The study finds that AI washing significantly suppresses farmers' digital financial behavior; the higher the degree of AI washing, the lower the response level of farmers' digital financial behavior. Moreover, AI washing indirectly inhibits farmers' behavioral responses by exacerbating knowledge exclusion and risk exclusion. Social capital can positively moderate the negative impact of AI washing; among farmer groups with high social capital, the suppressive effect of AI washing on digital financial behavior is significantly weaker than that among groups with low social capital. In response, this paper suggests that regulatory authorities establish a strict information disclosure system for AI technology, conduct differentiated digital financial education to enhance the identification capabilities of vulnerable groups, promote digital financial mutual aid groups to leverage the protective effects of social capital, improve the consumer protection mechanism for farmers in digital finance, and set up pilot "Digital Inclusive Finance Demonstration Counties," etc.

翻译：在数字金融快速发展的背景下，部分金融科技公司存在“AI洗白”现象，即夸大自身AI能力而对实际AI资源投入不足。本文基于CHFS2019数据及15-20家金融科技公司AI投入数据，构建企业层面AI洗白指数，分析并检验其对农户数字金融行为响应的影响。研究发现：AI洗白显著抑制了农户数字金融行为；AI洗白程度越高，农户数字金融行为响应水平越低；且AI洗白通过加剧知识排斥和风险排斥间接抑制农户行为响应。社会资本能够正向调节AI洗白的负面影响，在高社会资本的农户群体中，AI洗白对数字金融行为的抑制作用显著弱于低社会资本群体。据此，本文建议监管部门建立严格的AI技术信息披露制度，开展差异化数字金融教育以提升弱势群体识别能力，推动数字金融互助群体发挥社会资本保护作用，完善数字金融中农户消费保护机制，以及设立“数字普惠金融示范县”试点等。