数字普惠金融对企业家精神的影响研究——基于城市层面的经验证据  

Research on the impact of digital financial inclusion on entrepreneurship:Based on empirical evidence at the city level

作　　者：陈欢[1] 李丹[1] CHEN Huan;LI Dan(Nanjing Audit University,Nanjing 211815)

机构地区：[1]南京审计大学,江苏南京211815

出　　处：《财贸研究》2024年第12期1-12,共12页Finance and Trade Research

基　　金：江苏高校哲学社会科学研究重大项目“数字化转型驱动产业链供应链韧性提升的机制、效应与路径研究”(2024SJZD024);国家社会科学基金一般项目“‘过渡期’后脱贫地区常态化帮扶的财政政策研究”(24BJY062);江苏高校“青蓝工程”资助项目。

摘　　要：企业家精神是推进中国式现代化的重要因素,而弘扬企业家精神离不开金融支持。首先剖析数字普惠金融发展对企业家精神影响的内在机制,然后利用城市面板数据检验数字普惠金融对企业家精神的作用。研究发现:数字普惠金融的发展有助于激发企业家创新与创业精神,数字普惠金融对企业家精神的影响因地理区位、市场化程度和业态层面的不同而呈现异质性,数字普惠金融通过缓解融资约束和提高金融效率两个渠道促进企业家精神。Entrepreneurship is an important factor in promoting Chinese-style modernization,and the promotion of entrepreneurship cannot be achieved without financial support.Firstly,this paper analyzes the internal mechanism of the impact of the development of digital inclusive finance on entrepreneurship.Then,it uses urban panel data to test the effect of digital inclusive finance on entrepreneurship.The research findings are as follows:the development of digital inclusive finance helps to stimulate entrepreneurs’innovative and entrepreneurial spirit.The impact of digital inclusive finance on entrepreneurship shows heterogeneity due to differences in geographical location,degree of marketization,and business format levels.Digital inclusive finance promotes entrepreneurship through two channels:alleviating financing constraints and improving financial efficiency.

关 键 词：数字普惠金融 企业家精神 融资约束 金融效率 

分 类 号：F061.3[经济管理—政治经济学] F832.3