数字普惠金融对农户创业行为的影响  

The Influence of Digital Inclusive Finance on Farmers’Entrepreneurial Behavior

作　　者：陈中英 王林萍[1] CHEN Zhongying;WANG Linping(College of Economics and Management,Fujian Agriculture and Forestry University,Fuzhou 350002,China)

机构地区：[1]福建农林大学经济与管理学院,福州350002

出　　处：《科技和产业》2023年第2期68-74,共7页Science Technology and Industry

摘　　要：利用面板数据模型阐释数字普惠金融对资源获取、人力资本培训和区域经济增长的功能效应,分析数字普惠金融对农民创业行为的动态影响。结果表明:数字普惠金融总指数对农户创业决策具有显著的激励作用,3个细分指标中覆盖广度的作用最为明显。异质性分析结果揭示了在数字普惠金融发展更完善的东中部地区,数字普惠金融的创业存在显著促进作用,对农户创业规模的正向影响更为明显。最后根据结论提出政策建议。The panel data model is used to explain the functional effect of digital inclusive finance on resource acquisition,human capital training,and regional economic growth,the dynamic image is analyzed of digital inclusive finance on the entrepreneurial behavior of farmers.The results show that the total index of digital inclusive finance has a significant incentive effect on farmers’entrepreneurial choice and entrepreneurial scale decision,and the coverage breadth has the most obvious effect among the three sub-indexes.Heterogeneity analysis results reveal that digital inclusive finance has a significant promoting effect on entrepreneurship in the eastern and central regions where the development of digital inclusive finance is more complete,and the positive impact of digital inclusive finance on entrepreneurship scale of farmers is more obvious in the central region.Finally,some policy suggestions are put forward according to the conclusions.

关 键 词：数字普惠金融 农户创业 创业规模 面板数据模型 

分 类 号：F832[经济管理—金融学] F323