摘要
本文将北京大学数字普惠金融指数省一级数据与用来度量地区创业活跃度的新增企业注册信息相匹配,研究了数字金融的发展和推广与企业创业之间的关系。在考虑了内生性等因素后,我们发现数字金融的发展对创业有显著的促进作用,而且数字金融的覆盖广度、使用深度和数字支持服务程度也均对创业有显著的促进作用。同时,在作用机制的分析中,本文发现数字金融的发展对于城镇化率较低的省份、注册资本较少的微型企业有更强的鼓励创业的作用,这体现出了数字金融普惠性的特征。
In this paper we match the provincial-level data of Digital Inclusive Financial Index from the Institute of Digital Finance at Peking University with the registration information of new enterprises that measure the degree of entrepreneurial activity in the region, and study the relationship between the development of digital finance and the entrepreneurship. After considering factors such as endogeneity problem, we find that the development of digital finance plays a significant role in promoting entrepreneurship. Moreover, the coverage, the usage depth and the digital support of digital finance also promote entrepreneurship significantly. At the same time, in the analysis of the mechanism, we find that the development of digital finance has a stronger encouragement effect on entrepreneurship for the provinces with lower urbanization rate and the enterprises with small registered capital, which reflects the inclusiveness of digital finance.
作者
谢绚丽
沈艳
张皓星
郭峰
Xuanli Xie;Yan Shen;Haoxing Zhang;Feng Guo(Peking University;Shanghai University of Finance and Economics)
出处
《经济学（季刊）》
CSSCI
北大核心
2018年第3期1557-1580,共24页
China Economic Quarterly
关键词
数字金融
创业
普惠金融
digital finance
entrepreneurship
inclusive finance
作者简介
通信作者:郭峰,上海市杨浦区国定路777号上海财经大学凤凰楼521室,200433;电话:(021)65903586;E-mail:guo.feng@mail.sufe.edu.cn.
