摘要
本文基于2019年中国家庭金融(CHFS)数据,运用因子分析法构建数字金融能力指数,并采用Probit模型实证检验数字金融能力对家庭创业高质量发展的影响。研究结果表明,数字金融能力的提升对家庭创业高质量发展具有促进作用,这一效应在受教育水平、户口类型、创业动机和所在地区等方面存在异质性。从机制检验结果来看,数字金融能力通过缓解信息约束和改变风险态度两个途径发挥作用。基于此,本文建议加强数字金融教育,推动数字技术发展,以缩小地区差距,共同推动家庭创业的高质量发展。
This paper is based on the 2019 China Household Finance Survey(CHFS)data,employing factor analysis to construct an index of digital financial capability and using the Probit model to empirically test the impact of digital financial capability on the high-quality development of household entrepreneurship.The study findings indicate that the enhancement of digital financial capability positively promotes the high-quality development of household entrepreneurship,with heterogeneous effects across different levels of education,household registration types,entrepreneurial motivations,and regions.Mechanism examination results reveal that digital financial capability exerts its influence by alleviating information constraints and altering risk attitudes.Consequently,this paper suggests strengthening digital financial training and promoting the development of digital technology to narrow regional disparities and jointly advance the high-quality development of family entrepreneurship.
作者
罗荷花
徐春雨
LUO Hehua;XU Chunyu(School of Economics,Hunan Agricultural University)
出处
《金融经济》
2024年第11期57-68,共12页
Finance Economy
基金
湖南省社会科学基金项目“湖南省农户数字金融行为减缓收入相对贫困的机理与路径研究”(21JD020)
湖南省教育厅重点项目“数字金融素养提升家庭农场经济韧性的效果与长效机制研究”(24A0179)
湖南省研究生科研创新项目“数字经济增强湖南省农村家庭发展韧性问题研究”(CX20240681)。
关键词
数字金融能力
家庭创业
高质量发展
信息约束
风险态度
Digital Financial Capability
Household Entrepreneurship
High-Quality Development
Information Constraint
Risk Attitude
