数字普惠金融发展与流动人口创业--来自全国流动人口动态监测调查的证据  

Development of Digital Inclusive Finance and Business Startups of Migrant Population:Evidences from the China Migrants Dynamic Survey

作　　者：林瑶鹏 林柳琳 高琦 刘帷韬 LIN Yao-peng;LIN Liu-lin;GAO Qi;LIU Wei-tao(Guangzhou Academy of Social Sciences,Guangzhou 510410;Guangzhou Municipal Party School,Guangzhou 510070;Guangdong University of Foreign Studies,Guangzhou 510006,China)

机构地区：[1]广州市社会科学院财政金融研究所,广东广州510410 [2]广州市社会科学院国际商贸研究所,广东广州510410 [3]中共广州市委党校习近平新时代中国特色社会主义思想研究中心,广东广州510070 [4]广东外语外贸大学经济贸易学院,广东广州510006

出　　处：《当代财经》2022年第4期65-75,共11页Contemporary Finance and Economics

基　　金：国家社会科学基金重大项目“粤港澳大湾区构建具有国际竞争力的现代产业体系研究”(20&ZD085);中国博士后科学基金第67批面上资助项目“企业家精神促进中国制造业转型升级的作用机制与实证研究”(2020M672585);广东省哲学社会科学“十三五”规划2020年度学科共建项目“空间经济学视角下企业家精神对产业升级的影响机制与对策研究”(GD20XYJ01)。

摘　　要：实现流动人口高质量就业和收入增长是推进新型城镇化和共同富裕的重要方面。利用2011--2017年全国流动人口动态监测调查(CMDS)与中国数字普惠金融指数数据,根据双向固定效应和中介效应模型的研究结果表明,数字普惠金融发展会阻碍流动人口创业,这种抑制作用是因为数字普惠金融发展增加了流动人口的“非创业”就业收入,缩小了流动人口“创业”与“非创业”之间的相对收入差距。进一步检验发现,城市文化多样性可能会削弱数字普惠金融发展的收入效应,从而强化其对流动人口创业行为的阻碍作用。这表明,以普惠发展做大经济蛋糕、缩小收入分配差距,最终实现共同富裕不仅需要优化数字普惠金融对流动人口创业的支持作用、扩大流动人口“非创业”增收渠道,还要促进城市内部融合以降低文化排斥的消极影响。To realize high.quality employment and income growth for the floating population is an important step to promote new urbanization and common prosperity.By making use of the data of 2011-2017 China Migration Dynamic Survey(CMDS)and China Digital Inclusive Financial Index,this paper conducts a study based on the two-way fixed effect and the mediation effect model.The find-ings show that the development of digital inclusive finance will hinder the entrepreneurship of the floating population.This inhibitory effect is due to the fact that the development of digital inclusive finance has increased the“non-entrepreneurial”employment income of the floating population and nar-rowed the relative income gap between the“entrepreneurship”and“non-entrepreneurship”of the float-ing population.The results of further test show that urban cultural diversity may weaken the income effect of the development of digital inclusive finance,thereby strengthening its hindering effect on the entrepreneurial behavior of the floating population.This shows that in order to expand the economic pie,narrow the income distribution gap,and ultimately achieve common prosperity through inclusive development,it is necessary not only to optimize the supporting role of digital inclusive finance to the entrepreneurship of floating population,and to expand their“non entrepreneurship”income increas-ing channels,but also to promote urban internal integration to reduce the negative effects of cultural exclusion.

关 键 词：数字普惠金融 创业 流动人口 相对收入 

分 类 号：F061.3[经济管理—政治经济学]