数字普惠金融如何影响农村居民创业活动——来自中国家庭追踪调查(CFPS)的证据

How does Digital Financial Inclusion Affect Entrepreneurial Activity among Rural Residents?——Evidence from Chinese Family Panel Studies(CFPS)

本研究基于中国家庭动态追踪调查数据和数字普惠金融发展指数,实证检验了数字普惠金融对农村居民创业活动的影响。结果表明:数字普惠金融可显著促进农村居民创业活动;互联网信息获取能力及电子商务重要性感知可作为解释机制;家庭创业榜样可调节电子商务重要性感知与农村居民创业活动之间的关系。随着信息科技的发展,数字普惠金融在融资等方面展现出独有优势,这就为促进农村居民创业、实现经济均衡发展提供了新的思路。

Based on the data from Chinese Family Panel Studies(CFPS)and the development index of Digital Inclusive Finance,this study empirically analyzed the impact of digital inclusive finance on rural residents’entrepreneurial activities.The results show that digital financial inclusion can significantly promote rural residents’entrepreneurial activities,internet information accessibility and perceived importance of e-commerce can serve as explanatory mechanisms,and household entrepreneurial role models can moderate the relationship between perceived importance of e-commerce and rural residents’entrepreneurial activities.With the development of information technology,digital inclusive finance shows its unique advantages in financing and other aspects,which thus can provide new ideas to promote entrepreneurship among rural residents and achieve balanced economic development.