摘要
基于中国家庭金融调查(CHFS)数据和北京大学数字普惠金融指数,研究发现:数字金融显著促进了我国家庭参与创业活动,并通过降低家庭债务杠杆率、增强家庭社会信任度、拓展家庭社会网络促进家庭参与创业活动;数字金融对创业家庭持续创业有显著影响;数字金融的分指数覆盖广度、使用深度促进了家庭参与创业活动;数字金融能够显著促进西部地区家庭、低收入家庭和农村家庭参与创业活动。
Under the impact of the COVID-19 pandemic,the employment pressure is increasing,and promoting family entrepreneurship has become an effective way to solve the employment problem.Based on the data of China Household Finance Survey(CHFS)and Peking University Digital Financial Inclusion Index,the study found that digital finance significantly promoted the participation of Chinese families in entrepreneurial activities,and promoted the participation of families in entrepreneurial activities by reducing the household debt leverage ratio,enbancing the farmily social trust,and expanding the family social network.Digital finance has a significant impact on entrepreneurial families'continued entrepreneurship.The coverage breadth and depth of digital finance index promote the participation of families in entrepreneurial activities.Digital finance can significantly promote the participation of households in the western region,low income households and rural households in entrepreneurial activities.
作者
黄国妍
熊奇
Guoyan HUANG;Qi XIONG(School of Finance and Business,Shanghai Normal University,Shanghai 200234,China)
出处
《金融管理研究》
2023年第1期353-373,共21页
The Journal of Finance and Management Research
基金
国家社科基金项目一般项目,数字化背景下“三链融合”缓解专精特新企业融资约束问题研究(项目批准号:22BGL064)
关键词
数字金融
家庭创业
债务杠杆
可持续性创业
digital finance
family entrepreneurship
debt leverage
sustaina ble entrepreneurship
作者简介
黄国妍,女,1974.2-,金融学博士,上海师范大学商学院副教授,硕士生导师,研究领域:金融科技、数字经济;通讯作者:熊奇,男,1996.9-,产业经济学专业硕士研究生.上海师范大学商学院,研究领域:数.字经济。
