摘要
创新创业对农村发展和农民增收具有重要作用,而数字金融的普惠优势为促进农户创业提供了重要条件。本文基于2017~2019年4178个农户的调研数据,对村庄数字金融使用水平、信贷可得性与农户创业行为之间的关系进行实证分析。研究结果表明:村庄数字金融使用水平有助于激发农户创业意愿,显著提高了农户创业的可能性;信贷可得性在村庄数字金融使用水平与农户创业之间发挥中介作用,为农户创业提供了有利条件;区分农户创业类型后发现,村庄数字金融使用水平对涉农创业和非农创业行为均有显著的正向影响,其中信贷可得性在涉农创业样本中的中介效应更明显;此外,村庄数字金融使用水平和信贷可得性对农户创业绩效具有显著的正向影响。本文的研究结论为发挥数字金融普惠作用、促进农户创业提供了参考依据。
Rural entrepreneurship and innovation play an important role in rural development and farmer households'income increase.The inclusive advantages of digital finance provide important conditions for inspiring farmer households'entrepreneurship.This paper empirically analyzes the relationship between the level of digital finance adoption in villages,credit availability and farmer households'entrepreneurship using Logit models and mediating effect models based on research data from 4178 farmer households from 2017 to 2019.The research results show that the adoption of digital finance in villages helps stimulate farmer households'willingness to start a business,and significantly increases the possibility of farmer households'entrepreneurship;The credit availability plays a mediating role between the level of village digital finance adoption and farmer households'entrepreneurship and provides favorable conditions for farmer households'entrepreneurship;After distinguishing the types of farmer households'entrepreneurship,it is found that the adoption of digital finance in village has a significant positive effect on both farm-related and non-farm entrepreneurship behaviors,with the mediating effect of credit availability being more pronounced in the farm-related entrepreneurship sample.Furthermore,the adoption of digital finance and credit availability had a significant positive effect on farmer households'entrepreneurial performance.The findings provide a reference for exploiting the inclusive effects of digital finance in promoting farmer households'entrepreneurship.
作者
陈宝珍
李焕宝
任金政
CHEN Bao-zhen;LI Huan-bao;REN Jin-zheng
出处
《财务研究》
CSSCI
2023年第2期70-79,共10页
Finance Research
基金
北京市社科基金重点项目(19GLA002)
北京联合大学新进博士孵化科研项目(SK20202204)。
关键词
农户
村庄数字金融使用水平
信贷可得性
创业
farmer households
village adoption of digital finance
credit availability
entrepreneurship
