数字普惠金融能促进农户创业吗?--基于小岗村的调研数据

Can digital inclusive finance promote farmers'entrepreneurship?--based on the survey data of Xiaogang Village

乡村振兴战略鼓励农户就业创业以实现经济增收,但金融约束一直是抑制农户创业的重要因素,而数字普惠金融以低融资成本、广服务范围的特点解决了传统金融下沉难的痛点,进而促进了农户创业。基于小岗村的实地调研数据,运用LPM模型对数字普惠金融发展与农户创业行为之间的关系进行了实证研究。研究结果表明:(1)数字普惠金融的发展能显著促进小岗村农户创业。(2)数字普惠金融的发展能通过缓解金融约束和降低农户风险厌恶程度,促进农户创业。(3)小岗村农户创业与风险厌恶程度呈负相关,即风险厌恶型农户偏向于留在小岗村进行小本创业。最后,基于研究结论,就小岗村利用数字普惠金融促进农户创业提出建议。

Rural Revitalization Strategy encourages farmers to obtain employment and entrepreneurship to achieve economic income increase,but financial constraints have always been an important factor to inhibit farmers'entrepreneurship.Digital inclusive finance,with the characteristics of low financing cost and wide service range,solves the pain point of traditional financial sinking,and then promotes farmers'entrepreneurship.Based on the field survey data of Xiaogang Village,this paper makes an empirical study on the relationship between the development of digital inclusive finance and farmers'entrepreneurial behavior by using LPM model.The results show that:(1)the development of digital inclusive finance can significantly promote the entrepreneurship of farmers in Xiaogang Village.(2)The development of digital inclusive finance can promote farmers'entrepreneurship by alleviating financial constraints and reducing farmers'risk aversion.(3)There is a negative correlation between the degree of risk aversion and the entrepreneurship of farmers in Xiaogang Village,that is to say,farmers averse to risks prefer to stay in Xiaogang Village for small-scale entrepreneurship.Finally,based on the research conclusions,the paper puts forward some suggestions for Xiaogang Village to use digital Inclusive Finance to promote farmers'entrepreneurship.