数字普惠金融对县域创业活动的影响研究——来自中国县域层面的经验证据  

The Impact of Digital Inclusive Finance on County-level Entrepreneurship:Empirical Evidence from Chinese County-level

作　　者：邓金钱 刘明霞 DENG Jinqian;LIU Mingxia(School of Economics,Lanzhou University,Lanzhou 730000,China;School of Economics,Zhejiang University,Hangzhou 310058,China)

机构地区：[1]兰州大学经济学院,甘肃兰州730000 [2]浙江大学经济学院,浙江杭州310058

出　　处：《审计与经济研究》2024年第6期94-104,共11页Journal of Audit & Economics

基　　金：甘肃省基础研究计划-软科学专项项目(24JRZA063);中央高校基本科研业务费文科振兴计划B类团队项目(2024lzujbkyqm018)。

摘　　要：数字普惠金融已成为中国式现代化进程中全面推进创业活动繁荣发展的重要“利器”。基于2014—2021年全国1681个县域面板数据,考察了数字普惠金融对县域创业活动的影响。研究发现,数字普惠金融对县域创业活动存在显著的促进效应。机制检验表明,数字普惠金融通过完善通信基础设施、优化产业结构以及提升创新水平三种渠道影响县域创业活动。异质性检验发现,数字普惠金融对小微型和第二、三产业属性创业活动的促进效应更强,对中西部和东北地区创业活动的金融支撑效应强于东部地区。空间溢出效应检验表明,本县域数字普惠金融的发展也能促进毗邻县域创业活动的发生。研究结论为强化数字普惠金融推动中国式创业活动繁荣发展提供了借鉴作用。Digital inclusive finance has become an important“tool”to promote the prosperity of entrepreneurship in the process of Chinese-style modernization.The impact of digital inclusive finance on county-level entrepreneurship is examined based on panel data from 1,681 counties in China from 2014 to 2021.It is found that digital inclusive finance has a significant effect on promoting county-level entrepreneurship.Mechanism test indicates that digital inclusive finance affects county-level entrepreneurship through three channels:improving communication infrastructure,optimizing industrial structure,and enhancing the level of innovation.Heterogeneity test reveals that digital inclusive finance has a stronger promotional effect on small and medium-sized and secondary and tertiary entrepreneurship,and a stronger financial support effect on entrepreneurship in the central,western and northeastern regions than that in the eastern region.The spatial spillover effect test shows that the development of digital inclusive finance in this county can also promote the occurrence of entrepreneurship in neighboring counties.The findings of this paper provide useful reference for strengthening digital inclusive finance to promote the prosperity of Chinese-style entrepreneurship.

关 键 词：数字普惠金融 创业活动 县域经济 信贷约束 空间溢出 金融服务 

分 类 号：F061.3[经济管理—政治经济学]