数字普惠金融促进了家庭创业吗?——基于CFPS的实证研究

Does Digital Inclusive Finance Promote Family Entrepreneurship:Empirical Research Based on CFPS

数字普惠金融有效提升了金融服务可得性,为家庭创业提供了新的机遇。从缓解信贷约束、拓宽信息渠道和缓解社会资本约束三个角度对数字普惠金融促进创业的作用机制进行了分析,使用北京大学数字普惠金融指数和中国家庭追踪调查数据进行实证检验。结果表明:(1)数字普惠金融可以促进家庭创业;(2)数字普惠金融通过缓解创业者的信贷约束、拓宽信息渠道和缓解社会资本约束影响家庭创业;(3)数字普惠金融对家庭创业的作用体现了普惠的特性。因此,应该持续完善数字普惠金融建设,提升创业者数字金融素养,引导金融机构下沉普惠服务,更好发挥数字普惠金融对家庭创业的促进作用。

Digital inclusive finance enhances the availability of financial services,providing new opportunities to improve the current situation of family entrepreneurship.This paper analyses the specific paths of digital inclusive finance development to promote family entrepreneurship from three perspectives:alleviating credit constraints,broadening information channels and alleviating social capital constraints.This paper empirically tests the impact of digital inclusive finance on family entrepreneurship using data from the China Digital Inclusive Finance Index and the China Household Tracking Survey.The paper draws the following conclusions:Firstly,the development of digital inclusive finance can significantly promote family entrepreneurial behavior.Secondly,the digital inclusive finance effectively promotes family entrepreneurial behavior by alleviating entrepreneurs' credit constraints,widening information channels and alleviating social capital constraints.Thirdly,the impact of digital inclusive finance on family entrepreneurship reflects its inclusive nature.Therefore,based on the above findings,this paper argues that the construction of digital financial inclusion should be continuously improved.In addition,it is also important to improve the digital financial literacy of entrepreneurs and the business environment in each region,so as to better exploit the role of digital inclusive finance in promoting family entrepreneurship.