数字普惠金融赋能高质量创业:理论机制与实证检验

Digital Inclusive Finance Enabling High-quality Entrepreneurship:Theoretical Mechanism and Empirical Test

文章基于2010-2021年中国31个省份的面板数据,利用动态面板模型及中介效应模型检验数字普惠金融对高质量创业的影响及作用机制。研究发现:总体上看,数字普惠金融对高质量创业具有显著促进作用;分维度看,数字普惠金融覆盖广度、使用深度和数字化程度均对高质量创业具有赋能作用。异质性分析发现,在西部地区和2017-2021年数字普惠金融对高质量创业的驱动作用更显著。中介效应检验结果表明,数字普惠金融主要通过优化营商环境、促进绿色创新两条路径驱动高质量创业。

Based on the panel data of 31 provinces in China from 2010 to 2021,this paper uses the dynamic panel models and mediation effect models to examine the impact and mechanism of digital inclusive finance on high-quality entrepreneurship.The research finds that digital inclusive finance has a significant promoting effect on high-quality entrepreneurship on the whole,and that from a multidimensional perspective,the breadth,depth of use and degree of digitalization of digital inclusive finance all have an empowering effect on high-quality entrepreneurship.Heterogeneity analysis finds that digital inclusive finance has a more significant driving effect on high-quality entrepreneurship in the western region and from 2017 to 2021.The mediation effect test indicates that digital inclusive finance mainly drives high-quality entrepreneurship through two paths:optimizing the business environment and promoting green innovation.