数字普惠金融对农户创业的影响研究

Research on the Influence of Digital Inclusive Finance on Farmers’ Entrepreneurship

利用各省市面板数据构建固定效应模型,从东、中、西部区域来研究数字普惠金融发展及其三个维度对农户创业的差异化影响。研究发现,普惠金融总指数以及使用深度和数字化程度能够积极促进农户的创业活动,而覆盖广度对农户创业影响作用不明显。同时,数字普惠金融对农户创业的影响表现出地区异质性,其中西部地区普惠金融的发展对农村居民创业影响最为明显。

Using the panel data of provinces and cities to build a fixed effect model, this paper studies the development of digital Inclusive Finance and its differential impact on Farmers’ Entrepreneurship from the eastern, central and western regions. It is found that the general index of Inclusive Finance, the depth of use and the degree of digitalization can actively promote the entrepreneurial activities of farmers, while the coverage has no obvious impact on Farmers’ entrepreneurship;At the same time, the impact of digital Inclusive Finance on Farmers’ Entrepreneurship shows regional heterogeneity, among which the development of Inclusive Finance in the western region has the most obvious impact on rural residents’ entrepreneurship.