数字普惠金融对农户创业的影响分析--基于返乡及留乡人群视角

Impact of Digital Inclusive Finance on Farmers'Entrepreneurship--From the Perspective of Returning and Staying People

数字普惠金融作为一项覆盖面广、受众群体多的数字化途径,不仅为农户提供了有力的资金支持,推动了农户创业,而且带动了区域经济的发展,有助于实现乡村振兴。根据浙江省台州市仙居县农户的调研数据,对数字普惠金融对农户创业选择行为和创业表现方面的作用开展实证研究。结果表明:数字普惠金融对农户创业选择和创业表现具有显著的促进作用;相较留乡人群,数字普惠金融对返乡人群创业的促进作用更强,更有助于提高返乡人群的创业概率和创业表现。基于此,政府应多措并举,开发个性化金融产品,构建更完善的资源配置体系,并加强对数字普惠金融的监管,以有效引导农户返乡创业,助力乡村振兴。

As a digital approach with the wide coverage and a large audience,digital inclusivefinance not only provides strong financial support for farmers,promoting farmers'entrepreneurship,but also drives the development of regional economy and helps to realize rural revitalization.Based on the survey data of farmers in Xianju county of Taizhou city,Zhejiang province,an empirical study on the role of digital inclusive finance in farmers'entrepreneurial choice behavior and entrepreneurial performance was made.The results showed that:digital inclusive finance can significantly promote farmers'entrepreneurial choice and entrepreneurial performance;compared with those who stay in their hometown,digital inclusive finance plays a stronger role in promoting the entrepreneurship of returning people,and is more helpful to improve the entrepreneurial probability and entrepreneurial performance of returning people.Accordingly,the government should take multiple measures to develop personalized financial products,build a more perfect resource allocation system,and strengthen the supervision of digital inclusive finance,so as to effectively guide farmers to return to their hometowns to start businesses and help rural revitalization.