数字金融参与对农村居民创业决策的影响——基于CHFS2019数据的实证分析  

The Impact of Digital Finance Participation on Rural Residents’Entrepreneurial Decision-making——Empirical Analysis Based on CHFS2019 Data

作　　者：刘莎[1] 刘瑞瑞 张艺婷 Liu Sha;Liu Ruirui;Zhang Yiting(School of Economics and Management,Xi’an Petroleum University,Xi’an 710065,Shaanxi,China)

机构地区：[1]西安石油大学经济管理学院,陕西西安710065

出　　处：《新疆农垦经济》2024年第1期72-83,共12页Xinjiang State Farms Economy

基　　金：陕西省哲学社会科学规划项目(项目编号:2021D049);陕西省教育厅科研计划项目资助(项目编号:21JK0281);陕西省国家级大学生创新创业训练计划项目(项目编号:202110705012);教育部人文社会科学重点研究基地“十三五”重大项目(项目编号:17JJD790016);西安市社会科学规划基金项目(项目编号:23JX127)。

摘　　要：农民创业为推进乡村振兴赋予了新动能,而数字金融为农民创业提供了契机。文章基于2019年中国家庭金融调查数据,采用Probit模型从微观视角分析了数字金融参与对农村居民创业决策的影响,并从信贷约束和信息约束两方面探究了数字金融参与影响农村居民创业决策的中间机制。研究结果显示,创业农村居民参与数字金融水平远远大于非创业农村居民;机制检验表明,数字金融参与通过缓解农村居民的信贷约束和增加信息可得性正向促进农村居民的创业决策;异质性结果表明,数字金融参与对东部地区、较高学历、身体状况健康的农村居民创业决策影响效果更大。鉴于此,提出通过普及农村居民的金融知识提升农村居民金融素养,加大中西部农村地区互联网基础设施建设,提高农村居民教育程度,为农村居民创业提供更加便捷可行的渠道。Farmers’entrepreneurship is beneficial for achieving rural revitalization,while digital finance provides opportunities for farmers’entrepreneurship.Based on the 2019 China Household Finance Survey data,the article uses the Probit model to analyze the impact of digital finance participation on rural residents’entrepreneurial decision-making from a micro perspective,and ex-plores the its intermediate mechanism from two aspects:credit constraints and information constraints.The research results are as follows.First,the participation level of entrepreneurial rural residents in digital finance is much higher than that of non-entrepre-neurial rural residents.Second,mechanism testing shows that digital finance participation positively promotes rural residents’en-trepreneurial decision-making by alleviating credit constraints and increasing information availability.Third,the heterogeneity re-sults indicate that the participation of digital finance has a greater impact on the entrepreneurial decision-making of rural residents who are in the eastern region,with higher education levels or healthy physical conditions.In view of this,it is proposed to enhance the financial literacy of rural residents by popularizing their financial knowledge,increasing the construction of internet infrastruc-ture in central and western rural areas,and improving the education level of rural residents to provide more convenient and feasible channels for rural residents to start businesses.

关 键 词：数字金融参与 农村居民创业 创业决策 信贷约束 信息约束 

分 类 号：F832[经济管理—金融学] F323F49