摘要
基于2017年中国家庭金融调查(CHFS)公布的家庭创业情况和北京大学金融研究中心公布的普惠金融发展指数,利用Probit模型研究数字普惠金融发展与中国家庭创业之间的关系,并深入分析内在影响机制。回归结果表明,数字普惠金融发展显著促进了家庭创业活动的开展,这种促进效应通过降低创业成本和缓解信贷约束来实现。分地区来看,数字普惠金融发展更能降低乡村地区家庭创业成本和放松贷款约束。当前我国乡村地区数字金融发展水平较城镇地区仍存在较大差异,需加快完善边缘地区金融基础设施建设,持续推进数字普惠金融发展,逐步缩小城乡差异以实现“大众创业”。
This paper uses the Probit model to study the relationship between the development of digital inclusive finance and family entrepreneurship in China based on the situation of family entrepreneurship published by 2017 China Family Finance Survey(CHFS)and the inclusive finance development index published by Peking University Financial Research Center,and in-depth analyzes the internal impact mechanism.The regression results show that the development of digital inclusive finance has significantly promoted the development of family entrepreneurship activities,which is realized by reducing the cost of entrepreneurship and easing credit constraints.From the perspective of different regions,the development of digital inclusive finance can reduce the cost of family entrepreneurship and ease loan constraints in rural areas.At present,the development level of digital finance in rural areas of our country is still quite different from that in urban areas.It is necessary to speed up the construction of financial infrastructure in marginal areas,continue to promote the development of digital inclusive finance,and gradually narrow the gap between urban and rural areas in order to realize“mass entrepreneurship”.
作者
岳中刚
黄雨桐
YUE Zhonggang;HUANG Yutong(School of Economics,Nanjing University of Posts and Telecommunications,Nanjing 210023,China;Statistical Science Research Base,Nanjing University of Posts and Telecommunications,Nanjing 210023,China;School of Management,Nanjing University of Posts and Telecommunications,Nanjing 210003,China)
出处
《南京邮电大学学报（社会科学版）》
2021年第2期67-82,共16页
Journal of Nanjing University of Posts and Telecommunications(Social Science Edition)
基金
江苏高校哲社重点项目“江苏创业企业基于众筹模式构建创新生态系统研究”(2017ZDIXM127)
江苏省普通高校学术学位研究生创新计划项目“江苏企业‘一带一路’沿线投资与区域价值链构建的研究”(KYCX19_0999)。
关键词
数字普惠金融
家庭创业
创业成本
信贷约束
digital inclusive finance
family entrepreneurship
cost of entrepreneurship
credit constraints
