数字金融驱动小微企业创新的组态分析  

Configuration Analysis of Digital Finance Drive Innovation in Micro and Small Enterprises

作　　者：费锦华 浦正宁[1] Fei Jinhua;Pu Zhengning(School of Economics and Management,Southeast University,Nanjing 211189,China)

机构地区：[1]东南大学经济管理学院,江苏南京211189

出　　处：《科技管理研究》2024年第5期103-111,共9页Science and Technology Management Research

基　　金：国家社会科学基金项目“技术创新视角下数字经济发展驱动碳减排的机理与对策研究”(22BJY099);国家重点研发计划项目“典型城镇可持续发展智能化评估标准中试研究”(2022YFC3802901-04);江苏省社会科学基金项目“数字技术创新驱动江苏碳减排的机理与对策研究”(22EYA003)。

摘　　要：将小微企业创新分为技术创新、组织创新、服务创新、营销创新和文化创新,采用模糊集定性比较分析(fsQCA)方法,从组态视角分析数字金融要素如何驱动小微企业创新。研究发现单个数字金融要素并不构成提高小微企业创新的必要条件,但不同要素的联合效应能够有效推动小微企业5种创新;数字金融驱动小微企业不同类型高创新的组态存在差异,但网络信贷作为核心条件存在于每一种组态中;数字金融驱动小微企业不同类型高创新的组态可以归纳为3种驱动模式,包括纵深主导型、广度深度协同发展型和多元化均衡发展型。因此,推动小微企业创新发展的过程中,不仅要因地制宜,合理规划数字金融不同要素的差序发展,还要因创新类型施策,充分发挥数字金融对小微企业多种创新的激励效应。This paper divides the innovation in micro and small enterprises into technological innovation,organizational innovation,service innovation,marketing innovation and cultural innovation,and uses the fuzzy-set qualitative comparative analysis(fsQCA)method to analyze how digital financial elements drive the innovation in micro and small enterprises from a configuration perspective.The results show as follows:individual digital financial elements do not constitute a necessary condition for improving innovation in micro and small enterprises,but the joint effect of different elements can effectively promote 5 types of innovation.There are differences in the configurations that digital finance drives different types of high innovation in micro and small enterprises,but internet credit exists as a core condition in each configuration.What's more,the configuration of digital finance driving micro and small enterprises with different types of high innovation can be summarized into 3 driving modes:depth-dominant driving mode,breadth-depth synergistic development driving mode and diversified and balanced development driving mode.Therefore,in the process of promoting the innovative development of micro and small enterprises,it is not only necessary to rationally plan the differential development of different digital financial elements according to regional conditions,but also to implement strategies according to the type of innovation,so as to give full play to the incentive effect of digital finance on the various innovations in micro and small enterprises.

关 键 词：数字金融 小微企业 创新异质性 模糊集定性比较分析 

分 类 号：F832[经济管理—金融学] F273.1[文化科学] F224G3