疫情冲击下数字金融对家庭农场创业绩效影响实证分析

An Empirical Analysis of the Impact of Digital Finance on Entrepreneurial Performance of Family Farms Under the Influence of the COVID-19 Epidemic

论文基于2021年南京农业大学金融学院“农村金融支持乡村振兴”问卷调查数据,运用多元线性回归模型和有序logit模型,实证分析疫情冲击背景下数字金融对家庭农场创业绩效的影响。研究结果表明,数字金融对家庭农场的创业绩效具有显著正向影响,同时在控制了疫情冲击作用之后,数字金融仍然对家庭农场的收入波动具有显著影响,显著降低疫情对家庭农场绩效的冲击。此外,家庭农场主的受教育水平、信息技术等对家庭农场的创业绩效提高和收入波动缓解有显著正向作用。

Based on the survey data of "Rural Finance Supporting Rural Revitalization" of the School of Finance of Nanjing Agricultural University in 2021,this paper uses the multiple linear regression model and the ordered logit model to empirically analyze the impact of digital finance on the entrepreneurial performance of family farms under the impact of the epidemic.The research results show that digital finance has a significant positive impact on the entrepreneurial performance of family farms.At the same time,after controlling the impact of the epidemic,digital finance still has a significant impact on the income fluctuations of family farms,significantly reducing the impact of the epidemic on the performance of family farms.In addition,the education level and information technology of family farmers have a significant positive effect on the improvement of entrepreneurial performance of family farms and the mitigation of income fluctuations.