利用2019年中国家庭金融调查数据(CHFS),采用递归双变量Probit模型(RBP)实证研究数字金融使用对居民创业行为的影响。研究发现:1) 数字金融使用能够显著提升居民创业的概率。在给定其他条件不变的情况下,数字金融使用使得居民做出创业...利用2019年中国家庭金融调查数据(CHFS),采用递归双变量Probit模型(RBP)实证研究数字金融使用对居民创业行为的影响。研究发现:1) 数字金融使用能够显著提升居民创业的概率。在给定其他条件不变的情况下,数字金融使用使得居民做出创业决策的概率增加18.73%。2) 数字金融使用对不同性别、不同受教育程度、不同年龄阶段的居民创业概率的影响存在差异。3) 数字金融使用通过缓解信息约束、缓解流动性约束和增强风险承担意愿三种途径,提高居民创业的概率。基于实证分析结果,提出提升数字金融服务的覆盖范围与便利程度、提高数字金融服务知识普及教育、改善数字金融服务发展的政策条件等建议,以期释放居民创业潜力,助推共同富裕。Using the 2019 China household finance survey data (CHFS), this paper empirically studies the impact of digital finance use on entrepreneurial behavior by using the recursive bivariate Probit Model (RBP). The findings are as follows: 1) The use of digital finance can significantly enhance the probability of entrepreneurship. Other things being equal, the use of digital finance increased the probability of entrepreneurial decision-making by 18.73%. 2) The impact of digital finance on the probability of starting a business is different in different gender, education level and age. 3) The use of digital finance can improve the probability of residents’ starting a business by three ways: easing the information constraint, easing the liquidity constraint and enhancing the willingness to bear risks. Based on the results of empirical analysis, this paper puts forward some suggestions, such as improving the coverage and convenience of digital financial services, improving the education of digital financial services knowledge, and improving the policy conditions for the development of digital financial services, etc. with a view to unleashing the entrepreneurial potential of residents to prom展开更多
在数字化时代背景下,平台经济迅速崛起,成为推动全球经济增长的重要力量。然而,随着电商平台的蓬勃发展,自我优待行为频发,对市场竞争环境造成了严重影响。针对电商平台自我优待行为的问题,可以采用法律分析、案例研究和比较法研究的方...在数字化时代背景下,平台经济迅速崛起,成为推动全球经济增长的重要力量。然而,随着电商平台的蓬勃发展,自我优待行为频发,对市场竞争环境造成了严重影响。针对电商平台自我优待行为的问题,可以采用法律分析、案例研究和比较法研究的方法,从竞争法的角度出发,深入剖析了自我优待行为的表现形式、产生原因及其对市场的影响。在此基础上,提出一套有效的规制机制,包括完善相关法律法规、加强监管力度、提高违规成本以及鼓励行业自律等方面。In the era of digitalization, the platform economy has risen rapidly, becoming a crucial force driving global economic growth. Nevertheless, along with the vigorous development of e-commerce platforms, self-preferencing behaviors have frequently emerged, significantly impacting the market competition environment. To address the issue of self-preferencing by e-commerce platforms, methods such as legal analysis, case studies, and comparative law research can be employed. From the perspective of competition law, these methods delve into the manifestations, underlying causes, and market impacts of self-preferencing behaviors. Based on this analysis, an effective regulatory mechanism is proposed, encompassing enhancing relevant laws and regulations, strengthening supervision, raising the cost of violations, and fostering industry self-discipline.展开更多
乡村振兴是解决农业、农村、农民“三农”问题的重大战略举措,电子商务助农是实现乡村振兴的有力抓手。农村电子商务通过产业、政策、基础设施建设路径为支持“三农”问题的优化提供了有力的保障。农村电子商务推动了农产品品牌建设、...乡村振兴是解决农业、农村、农民“三农”问题的重大战略举措,电子商务助农是实现乡村振兴的有力抓手。农村电子商务通过产业、政策、基础设施建设路径为支持“三农”问题的优化提供了有力的保障。农村电子商务推动了农产品品牌建设、农业产业结构结构优化及产业融合、降低了交易成本,增加了农民收入,提高了农民生活水平。目前我国农村电子商务发展存在区域间发展不平衡、农产品安全溯源体系不健全,电商人才短缺,基础设施建设缺乏连续性等问题,应当采取适当的措施消除电子商务助农障碍,强化其助力乡村振兴的功能。Rural revitalization is a major strategic measure to solve the problems of agriculture, rural areas and farmers, and e-commerce in helping agriculture is a powerful starting point for rural revitalization. Rural e-commerce provides a strong guarantee to support the optimization of the issues related with agriculture, farmer and rural area through industry, policy and infrastructure construction paths. Rural e-commerce has promoted the brand building of agricultural products, the optimization of agricultural industrial structure and industrial integration, reduced transaction costs, increased farmers’ income, and improved farmers’ living standards. At present, there are problems in the development of rural e-commerce in China, such as unbalanced inter-regional development, imperfect safety traceability system of agricultural products, shortage of e-commerce talents, lack of continuity of infrastructure construction, etc. Appropriate measures should be taken to eliminate obstacles to e-commerce to help agriculture and strengthen its function of helping rural revitalization.展开更多
在网络交易中,由于电子交易行为中的商家和消费者信息不对称以及我国规制该行为的相关法规的不完善,电子商务在给人们带来便利的同时,“刷单炒信”等不正当竞争行为也随之产生。不仅侵害了消费者对于交易的知情权、选择权和公平交易权,...在网络交易中,由于电子交易行为中的商家和消费者信息不对称以及我国规制该行为的相关法规的不完善,电子商务在给人们带来便利的同时,“刷单炒信”等不正当竞争行为也随之产生。不仅侵害了消费者对于交易的知情权、选择权和公平交易权,还破坏了新兴市场经济的公平交易秩序,损害了该新兴产业的健康发展。鉴于此,本文对我国电子商务中刷单炒信行为的法律规制现状及困境进行探讨,并提出对策,认为要应对规制行为主体范围过窄及责任不均、消费者权益保护不足、《刑法》未规定针对性罪名等问题,应扩大刷单炒信行为相关责任主体范围、加强对消费者权益的保护、通过司法解释明确罪名规制的行为范围,以期为消费者、商家和电商平台创建一个干净、健康的网络营商环境,保障新兴市场经济健康发展。In online transactions, due to the information asymmetry between merchants and consumers in electronic transactions, as well as the imperfections in China’s relevant regulations governing such behavior, e-commerce, while bringing convenience to people, has also led to unfair competition practices such as “brushing orders and credit speculation”. These practices not only infringe upon consumers’ rights to know, choose, and engage in fair transactions but also disrupt the order of fair trade in the emerging market economy, harming the healthy development of this emerging industry. In view of this, this paper discusses current situation and dilemmas of legal regulations on practice of brushing orders and credit speculation in China’s e-commerce and proposes countermeasures. It argues that to address issues such as the narrow scope of regulatory actors and uneven responsibilities, inadequate protection of consumer rights, and the lack of targeted criminal charges in Criminal Law, we should expand the scope of responsible parties related to brushing orders and credit speculation, st展开更多
文摘利用2019年中国家庭金融调查数据(CHFS),采用递归双变量Probit模型(RBP)实证研究数字金融使用对居民创业行为的影响。研究发现:1) 数字金融使用能够显著提升居民创业的概率。在给定其他条件不变的情况下,数字金融使用使得居民做出创业决策的概率增加18.73%。2) 数字金融使用对不同性别、不同受教育程度、不同年龄阶段的居民创业概率的影响存在差异。3) 数字金融使用通过缓解信息约束、缓解流动性约束和增强风险承担意愿三种途径,提高居民创业的概率。基于实证分析结果,提出提升数字金融服务的覆盖范围与便利程度、提高数字金融服务知识普及教育、改善数字金融服务发展的政策条件等建议,以期释放居民创业潜力,助推共同富裕。Using the 2019 China household finance survey data (CHFS), this paper empirically studies the impact of digital finance use on entrepreneurial behavior by using the recursive bivariate Probit Model (RBP). The findings are as follows: 1) The use of digital finance can significantly enhance the probability of entrepreneurship. Other things being equal, the use of digital finance increased the probability of entrepreneurial decision-making by 18.73%. 2) The impact of digital finance on the probability of starting a business is different in different gender, education level and age. 3) The use of digital finance can improve the probability of residents’ starting a business by three ways: easing the information constraint, easing the liquidity constraint and enhancing the willingness to bear risks. Based on the results of empirical analysis, this paper puts forward some suggestions, such as improving the coverage and convenience of digital financial services, improving the education of digital financial services knowledge, and improving the policy conditions for the development of digital financial services, etc. with a view to unleashing the entrepreneurial potential of residents to prom
文摘在数字化时代背景下,平台经济迅速崛起,成为推动全球经济增长的重要力量。然而,随着电商平台的蓬勃发展,自我优待行为频发,对市场竞争环境造成了严重影响。针对电商平台自我优待行为的问题,可以采用法律分析、案例研究和比较法研究的方法,从竞争法的角度出发,深入剖析了自我优待行为的表现形式、产生原因及其对市场的影响。在此基础上,提出一套有效的规制机制,包括完善相关法律法规、加强监管力度、提高违规成本以及鼓励行业自律等方面。In the era of digitalization, the platform economy has risen rapidly, becoming a crucial force driving global economic growth. Nevertheless, along with the vigorous development of e-commerce platforms, self-preferencing behaviors have frequently emerged, significantly impacting the market competition environment. To address the issue of self-preferencing by e-commerce platforms, methods such as legal analysis, case studies, and comparative law research can be employed. From the perspective of competition law, these methods delve into the manifestations, underlying causes, and market impacts of self-preferencing behaviors. Based on this analysis, an effective regulatory mechanism is proposed, encompassing enhancing relevant laws and regulations, strengthening supervision, raising the cost of violations, and fostering industry self-discipline.
文摘乡村振兴是解决农业、农村、农民“三农”问题的重大战略举措,电子商务助农是实现乡村振兴的有力抓手。农村电子商务通过产业、政策、基础设施建设路径为支持“三农”问题的优化提供了有力的保障。农村电子商务推动了农产品品牌建设、农业产业结构结构优化及产业融合、降低了交易成本,增加了农民收入,提高了农民生活水平。目前我国农村电子商务发展存在区域间发展不平衡、农产品安全溯源体系不健全,电商人才短缺,基础设施建设缺乏连续性等问题,应当采取适当的措施消除电子商务助农障碍,强化其助力乡村振兴的功能。Rural revitalization is a major strategic measure to solve the problems of agriculture, rural areas and farmers, and e-commerce in helping agriculture is a powerful starting point for rural revitalization. Rural e-commerce provides a strong guarantee to support the optimization of the issues related with agriculture, farmer and rural area through industry, policy and infrastructure construction paths. Rural e-commerce has promoted the brand building of agricultural products, the optimization of agricultural industrial structure and industrial integration, reduced transaction costs, increased farmers’ income, and improved farmers’ living standards. At present, there are problems in the development of rural e-commerce in China, such as unbalanced inter-regional development, imperfect safety traceability system of agricultural products, shortage of e-commerce talents, lack of continuity of infrastructure construction, etc. Appropriate measures should be taken to eliminate obstacles to e-commerce to help agriculture and strengthen its function of helping rural revitalization.
文摘在网络交易中,由于电子交易行为中的商家和消费者信息不对称以及我国规制该行为的相关法规的不完善,电子商务在给人们带来便利的同时,“刷单炒信”等不正当竞争行为也随之产生。不仅侵害了消费者对于交易的知情权、选择权和公平交易权,还破坏了新兴市场经济的公平交易秩序,损害了该新兴产业的健康发展。鉴于此,本文对我国电子商务中刷单炒信行为的法律规制现状及困境进行探讨,并提出对策,认为要应对规制行为主体范围过窄及责任不均、消费者权益保护不足、《刑法》未规定针对性罪名等问题,应扩大刷单炒信行为相关责任主体范围、加强对消费者权益的保护、通过司法解释明确罪名规制的行为范围,以期为消费者、商家和电商平台创建一个干净、健康的网络营商环境,保障新兴市场经济健康发展。In online transactions, due to the information asymmetry between merchants and consumers in electronic transactions, as well as the imperfections in China’s relevant regulations governing such behavior, e-commerce, while bringing convenience to people, has also led to unfair competition practices such as “brushing orders and credit speculation”. These practices not only infringe upon consumers’ rights to know, choose, and engage in fair transactions but also disrupt the order of fair trade in the emerging market economy, harming the healthy development of this emerging industry. In view of this, this paper discusses current situation and dilemmas of legal regulations on practice of brushing orders and credit speculation in China’s e-commerce and proposes countermeasures. It argues that to address issues such as the narrow scope of regulatory actors and uneven responsibilities, inadequate protection of consumer rights, and the lack of targeted criminal charges in Criminal Law, we should expand the scope of responsible parties related to brushing orders and credit speculation, st
