数字金融与乡村旅游产业创业型企业的成长  

Digital finance and growth of rural tourism entrepreneurial enterprises

作　　者：王琴 岳中刚[1] 杨颖 WANG Qin;YUE Zhonggang;YANG Ying(School of Economics,Nanjing University of Posts and Telecommunications,Nanjing China,210023;School of Economics and Management,Nanjing University of Secience and Technology,Nanjing China,210009;School of Management,Nanjing University of Posts and Telecommunications,Nanjing China,210003)

机构地区：[1]南京邮电大学经济学院,江苏南京210023 [2]南京理工大学经济管理学院,江苏南京210009 [3]南京邮电大学管理学院,江苏南京210003

出　　处：《南京邮电大学学报（社会科学版）》2021年第5期48-61,102,共15页Journal of Nanjing University of Posts and Telecommunications(Social Science Edition)

基　　金：江苏高校哲学社会科学重点项目“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)。

摘　　要：数字金融有助于缓解旅游产业创业型企业的融资压力。利用2011—2018年中国数字普惠金融指数和263个地级市新增注册乡村旅游产业企业数据,运用工具变量法和固定效应模型实证检验数字金融对乡村旅游产业创业的影响及作用机制。结果表明,数字金融的总指数和子指标均对乡村旅游产业创业有显著的促进作用。在此基础上,检验数字金融促进乡村旅游产业创业机会均等化以及加速企业成长的效果。政府应在农村地区进一步完善移动互联网等新基础设施建设,鼓励金融产品服务创新,提升数字金融的使用程度和数字支持服务程度。Digital finance helps to alleviate the financing pressure of tourism entrepreneurial enterprises.Using China s digital inclusive finance index from 2011 to 2018 and the data of newly registered rural tourism enterprises in 263 prefecture level cities,this paper empirically tests the impact and mechanism of digital finance on rural tourism entrepreneurship by using instrumental variable method and fix-effects model.The results show that the total index and sub-index of digital finance can significantly promote rural tourism entrepreneurship.On this basis,the paper tests the effect of digital finance on promoting the equalization of entrepreneurial opportunities in rural tourism and accelerating the growth of enterprises.The government should further improve the construction of new infrastructure such as mobile Internet in rural areas,encourage the innovation of financial products and services,and improve the depth of use of digital finance and the degree of digital support services.

关 键 词：数字金融 互联网普及率 乡村旅游产业 金融宽度 金融排斥 

分 类 号：F49[经济管理—产业经济]