促进还是阻碍:数字普惠金融对农户创业影响
Facilitate or Hinder:the Impact of Digital Financial Inclusion on Farmers'Entrepreneurship
杨明婉 1张乐柱 2颜梁柱3
作者信息
- 1. 广东金融学院金融与投资学院,广州 510642
- 2. 华南农业大学经济管理学院,广州 510640
- 3. 广东外语外贸大学党委宣传部,广州 510420
- 折叠
摘要
近年来,全球经济发展不确定因素增多,中国就业市场也面临着严峻的挑战,尤其是农村地区受影响最为严重,而农户自主创业能够吸引更多劳动力,减轻就业压力,数字普惠金融对农户创业行为具有积极促进作用.因此,本文使用北京大学数字普惠金融指数与2019年西南财经大学中国家庭金融调查数据,运用Probit模型与中介效应进行检验.结果表明,数字普惠金融对农户创业存在显著激励效应,社会资本能够强化数字普惠金融对农户创业的积极影响.异质性分析发现,数字普惠金融对东部地区农户的创业激励效应比中西部地区更为显著.为了充分发挥数字普惠金融对农户创业积极作用,我国政府应大力推广数字普惠金融产品宣传,提升农户金融素养,加强数字普惠金融基础设施建设,完善数字支付体系.
Abstract
In recent years the uncerntainties in global economic development has increased,and China's job market is also facing severe challenges,especially in rural areas.While rural households'self-entrepreneurship can attract more labor and reduce employment pressure,digital inclusive finance can positively promote rural households'entrepreneurial behavior.Therefore,this paper uses the Digital Financial Inclusion Index of Peking University and the 2019 China Household Finance Survey Data of Southwestern University of Finance and Economics,testing with the Probit Model and the intermediary effect.The results showed that digital financial inclusion has a significant incentive effect on rural households'entrepreneurship,and social capital can strengthen the positive impact of digital financial inclusion on rural households'entrepreneurship.Heterogeneity analysis shows that the entrepreneurial incentive effect of digital financial inclusion on farmers in eastern China is more significant than that in central and western China.In order to give full play to the positive role of digital inclusive finance in farmers'entrepreneurship,the Chinese government should promote the publicity of digital inclusive financial products,improve farmers'financial literacy,strengthen the construction of inclusive financial infrastructure,and improve the digital payment system.
关键词
数字普惠金融/农户创业/社会资本/激励效应Key words
digital inclusive finance/farmer's entrepreneurship/social capital/incentive effect引用本文复制引用
基金项目
广东省2023年度哲学社会科学"十三五"规划学科共建项目(GD23XYJ38)
广东省社科规划基金一般项目(GD21CYJ11)
出版年
2024
NETL
NSTL
万方数据