数字普惠金融促进农村居民创业了吗?——基于互联网支付能力和社会网络双重视角

Does Digital Inclusive Finance Promote Entrepreneurship among Rural Residents?--Based on the Dual Perspectives of Internet Payment Ability and Social Network

基于我国2015年、2017年及2019年家庭金融调查数据(CHFS)与数字普惠金融指数,深入探讨数字普惠金融对农村居民创业活动的影响。研究发现:数字普惠金融对农村居民创业具有显著正向影响;数字普惠金融通过互联网支付能力的提升和社会网络传递间接影响农村居民创业;数字普惠金融对中年组农村居民创业的影响更显著,能促进具有低等和中等金融素养水平的农村居民创业,对东部地区农村居民创业具有显著促进作用。

Based on the Household Finance Survey data(CHFS)and Digital financial Inclusion Index in 2015,2017 and 2019,this paper studies the impact of digital financial inclusion on rural residents'entrepreneurship..The results show that digital inclusive finance has a significant positive impact on rural residents'entrepreneurship;Digital inclusive finance indirectly affects rural residents'entrepreneurship through the improvement of Internet payment ability and social network transmission.Digital financial inclusion has a more significant impact on the entrepreneurship of middle-aged rural residents,which can promote the entrepreneurship of rural residents with low and medium financial literacy level,and has a significant promoting effect on the entrepreneurship of rural residents in the eastern region.