数字金融对小微企业创新发展的影响研究——基于PKU-DFIIC和CMES  

The Influence of Digital Finance on Innovation of Small and Micro Enterprises——Based on the Data of PKU-DFIIC and CMES

作　　者：蔡乐才[1] 朱盛艳 CAI Le-cai;ZHU Sheng-yan(Faculty of Education,Southwest University,Chongqing 400715;Sanjiang Research Institute of Artificial Intelligence and Robotics,Yibin University,Yibin 644000)

机构地区：[1]西南大学教育学部,重庆400715 [2]宜宾学院三江人工智能与机器人研究院,四川宜宾644000

出　　处：《软科学》2020年第12期20-27,共8页Soft Science

基　　金：国家社会科学基金项目(19XJY017);国家自然科学基金青年项目(71603220);重庆市哲学社会科学规划项目(2018YBJJ026);重庆市高校人文社会科学研究规划项目(20SKGH162);重庆市金融学会“招标课题”项目(渝金学〔2020〕9号)。

摘　　要：基于北京大学数字普惠金融指数(PKU-DFIIC)和中国小微企业调查数据(CMES),采用Probit模型和工具变量方法,从微观层面研究数字金融对小微企业创新发展的影响。研究表明,数字金融具有普惠性特征,数字金融的发展能够显著地促进小微企业的创新倾向。此外,数字金融服务的覆盖广度、使用深度、数字化程度的提升均有利于推动小微企业的创新发展。由此提出,在推动小微企业高质量发展过程中需要加强数字金融的顶层设计,完善数字金融的融资功能和风险转嫁功能。Based on data from Peking University Digital Financial Inclusion Index of China(PKU-DFIIC)and China Micro and Small Enterprise Survey(CMES),this paper studies the influence of digital finance on the innovation of small and micro enterprises on a micro level by using Probit model and instrumental variable method.The result shows that digital finance has inclusive characteristics,and the development of digital finance can significantly promote the innovation tendency of small and micro enterprises.In addition,the coverage breadth,usage depth and digitization level of digital financial services can help to promote the innovation of small and micro enterprises.Therefore,it is necessary to strengthen the top-level design of digital finance and perfect the financing function and risk transfer function of digital finance in the process of promoting high-quality development of small and micro enterprises.

关 键 词：数字金融 小微企业 创新发展 

分 类 号：F276.3[经济管理—企业管理] F273.1[经济管理—国民经济]