首页|数字普惠金融促进农户创业的机制研究——基于CFPS数据的实证分析

数字普惠金融促进农户创业的机制研究——基于CFPS数据的实证分析

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农村创新创业发展是激活乡村产业振兴、实现全体人民共同富裕的新动能。本文利用CFPS数据,引入流动性约束下的创业决策模型并加以拓展,分析创业资本作为中介因子在数字普惠金融促进农户创业中的影响。研究发现,数字普惠金融能够提升人力资本水平、增强社会资本强度、扩大信贷可得性,进而促进农户创业;本文的土地流转分析进一步解释了土地出租在数字普惠金融提升信贷可得性中起到的正向调节作用。未来可积极建设与发展数字普惠金融服务,提升农户对各项资本的利用和优化,促进农户创业就业,从而推动乡村振兴,助力实现共同富裕。
Research on the Mechanism of Digital Financial Inclusion to Promote Farmers'Entrepreneurship:Empirical Analysis Based on CFPS data
The development of rural innovation and entrepreneurship is a new driving force for activating the revitalization of rural industries and realizing common prosperity.This paper uses CFPS(2020)data to introduce and expand the entrepreneurial decision-making model under liq-uidity constraints,and analyzes the impact of venture capital as an intermediary factor in promoting rural entrepreneurship by digital inclusive finance.This paper finds that digital financial inclusion can improve the level of human capital,enhance the intensity of social capital,expand the availa-bility of credit,and promote farmers'entrepreneurship.This paper further explains the positive moderating role of land leasing in improving credit availability through digital financial inclusion.In the future,we can actively build and develop digital inclusive financial services,im-prove farmers'utilization and optimization of various capitals,promote entrepreneurship and em-ployment of farmers,promote rural revitalization,and help achieve common prosperity.

Digital inclusive financeFarmers'entrepreneurshipMechanism research

赵丙奇、俞凯丽

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宁波大学商学院 宁波 315211

数字普惠金融 农户创业 影响机制

浙江省社科规划项目

23NDJC129YB

2024

农业技术经济
中国农业技术经济学会 中国农业科学院农业经济与发展研究所

农业技术经济

CSTPCDCSSCICHSSCD北大核心
影响因子:1.923
ISSN:1000-6370
年,卷(期):2024.(6)