数字普惠金融能否促进返乡农民工创业决策?--基于CLDS数据的实证分析

Can Digital Inclusive Finance Promote the Entrepreneurial Decision-making Among the Returning Migrant Workers?--Empirical Analysis Based on the CLDS Data

【目的/意义】返乡农民工是实现乡村振兴的重要主体,探究数字普惠金融能否促进返乡农民工创业决策,为有效实现返乡农民工等重点群体“稳就业”、推动农村信息化与乡村振兴战略提供启示。【方法/过程】采用2012—2018年的中国劳动力动态调查(CLDS)数据与数字普惠金融指数,构建面板数据模型,分析数字普惠金融总体发展水平及其3个维度对返乡农民工创业决策的影响。【结果/结论】研究发现:(1)数字普惠金融发展能促使返乡农民工创业的概率提升;(2)数字普惠金融与家庭收入较高的返乡农民工、中老年返乡农民工的创业决策呈正向关系,并且能够显著促进中、东部地区返乡农民工的创业决策。

【Objective/Meaning】The returning migrant workers are an important subject in achieving the rural revitalization.By exploring whether the digital inclusive finance could promote the entrepreneurial decision-making among the returning migrant workers,it would provide inspiration for effectively realizing the“stable employment”of key groups such as the returning migrant workers and promoting the rural informatization and rural revitalization strategies.【Methods/Procedures】The data of China Labor Force Dynamics Survey(CLDS)from 2012 to 2018 and the digital inclusive finance index were used to construct a panel data model.Then,the overall development level of digital inclusive finance and the impact of its three dimensions on the entrepreneurial decision-making of returning migrant workers were analyzed.【Results/Conclusions】The study found that:(1)the development of digital inclusive finance could increase the probability of migrant workers returning home to start businesses;(2)There was a positive relationship between the digital inclusive finance and the entrepreneurial decisions of the returning migrant workers with higher household incomes and the middle-aged and elderly returning migrant workers,and the digital inclusive finance could significantly promote the entrepreneurial decisions of the returning migrant workers in the central and eastern regions.