数字普惠金融对私营企业及个体就业的影响

The Effect of Digital Inclusive Finance on Private Enterprises and Individual Employment

基于中国内地31个省级行政区2011~2017年面板数据,探究数字普惠金融对私营企业及个体就业的影响,实证结果表明:数字普惠金融对私营企业及个体就业具有显著的促进作用。其促进作用具有异质性,数字普惠金融对城镇相关就业的促进作用要明显强于乡村;对东中西部相关就业均具有促进作用,但促进作用依次减弱。数字普惠金融对总体和城镇相关就业的促进作用具有双重门槛效应,而对乡村相关就业的促进作用具有单一门槛效应。

Based on the panel data of 31 provinces from 2011 to 2017,this study aims to explore the impact of the digital inclusive finance on private enterprises and individual employment.The results of the study are as follows:The digital inclusive finance has promoted the employment of private enterprises and individuals significantly;The promoting effect is heterogeneous,and it is much more obvious in cities and towns than in rural areas;The digital inclusive finance has played a significant role in facilitating the employment in the eastern,central and western regions,but the promotion effect reduces from the eastern area to the western area;The digital inclusive finance has a double threshold effect on the related employment in urban areas and the country as a whole,but a single threshold effect in rural areas.