摘要
提高小微企业产能利用率对促进经济发展和就业稳定具有重要意义。本文在理论分析的基础上,基于中国小微企业调查数据,考察了数字普惠金融对小微企业产能利用率的影响。研究结果表明,数字普惠金融的发展显著促进了小微企业产能利用率的提升。进一步分析发现,数字普惠金融通过缓解小微企业融资约束、增加小微企业出口等机制改善企业产能利用率。本文从小微企业产能利用率视角评估了数字普惠金融的实施效果,拓展了数字普惠金融经济后果的研究。
Improving the capacity utilization rate of small and micro enterprises is of great significance in promoting the stability of the overall economy and employment.Based on theoretical analysis and China's survey data on small and micro enterprises,this paper examines the impact of digital financial inclusion on the capacity utilization rate of small and micro enterprises.The results show that the development of digital financial inclusion has significantly promoted the improvement of small and micro enterprises'capacity utilization rate.Further analysis finds that digital financial inclusion improves enterprise capacity utilization through mechanisms such as relieving financing constraints for small and micro enterprises and increasing their export volume.This paper evaluates the implementation effect of digital financial inclusion from the perspective of small and micro enterprises'capacity utilization rate,expanding the research on economic consequences of digital financial inclusion.
作者
曾小明
陈昊
Zeng Xiaoming;Chen Hao(Research Center of Big Data and Intelligent Decision Making,Hunan University of Science and Technology;School of Business,Hunan University of Science and Technology)
出处
《金融发展评论》
2023年第9期48-63,共16页
Financial Development Review
基金
湖南省自然科学基金项目“基于机器学习算法的湖南省工业行业要素结构优化路径研究”(项目编号:2021JJ40215)的资助。
关键词
数字普惠金融
产能利用率
小微企业出口
融资约束
Digital Financial Inclusion
Capacity Utilization Rate
Small and Micro Enterprise Exports
Financing Constraints
