基于数字普惠金融的大学生创业模式选择与路径优化

Mode Selection and Optimization Path of College Students’Entrepreneurial Model Based on Digital Inclusive Finance

针对大学生在创业中存在的问题,基于数字普惠金融提出了大学生创业的知识风险创业模式、依附式创业模式和网络创业模式,通过缓解金融排斥,增加金融可得性,普及金融知识,提高创业能力,弥补承受能力,提供风险保障等方式,对大学生创业路径进行了优化,以期为大学生创业提供帮助。

In view of the problems of college students in entrepreneurship,based on digital inclusive finance,the paper puts forward that there may be three entrepreneurial modes,including knowledge risk,dependency and network entrepreneurial model in college students’entrepreneurship.Through remitting financial exclusion,increasing financial availability,popularizing financial knowledge,improving entrepreneurial ability,recovering bearing capacity,and providing risk insurance,etc,innovative entrepreneurship pathway of university students is optimized,in order to provide assistance for college students’entrepreneurship.