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浙江大学学报(人文社会科学版)  2021, Vol. 51 Issue (1): 129-144    DOI: 10.3785/j.issn.1008-942X.CN.33-6000/C.2020.05.213
主题栏目:数字经济研究 最新目录| 下期目录| 过刊浏览| 高级检索 |
数字金融对创业的影响——来自地区和中国家庭追踪调查(CFPS)的证据
陶云清1, 曹雨阳2, 张金林1, 邹凯1
1.中南财经政法大学 金融学院,湖北 武汉 430073
2.华中师范大学 经济与工商管理学院,湖北 武汉 430079
The Impact of Digital Finance on Entrepreneurship: Evidences from Regional and National CFPS
Tao Yunqing1, Cao Yuyang2, Zhang Jinlin1, Zou Kai1
1.School of Finance, Zhongnan University of Economics and Law, Wuhan 430073, China
2.School of Economics and Business Administration, Central China Normal University, Wuhan 430079, China

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摘要 以科技赋能的数字金融正在不断催生出新的金融服务模式,对宏观地区创业乃至微观家庭创业都产生了重要影响。基于2011—2018年的省级面板数据和2018年CFPS数据,实证检验数字金融对创业的影响,可以发现:(1)数字金融促进了地区创业,这种促进作用主要体现在覆盖广度和使用深度两个维度,两者关系具有一定的稳健性;(2)数字金融对创业的促进作用体现在城镇化率低、政府干预程度低和物质资本高的省份;(3)数字金融对创业的影响存在门槛效应,超过某个阈值后,对创业的促进作用更强;(4)数字金融促进地区创业的直接原因是它促进了家庭创业。
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Abstract:Digital finance refers to a series of changes brought about by the application of digital technology in the financial field. The current digital financial revolution is particularly special in two points. First, many changes have occurred outside the financial industry. Start-ups and large mature technology companies are trying to subvert existing business models, launch new products and technologies, and provide new important means of competition. Second, the application and introduction of the above-mentioned changes in the financial industry are faster than ever before, and the fit between finance and the real economy is constantly deepening. In recent years, the rapid advance of digital finance has attracted considerable attention within the finance industry and is considered to have a profound impact on entrepreneurship.Yet, despite the widespread interest in digital finance, little is currently known about exactly how it will impact entrepreneurship. Taking China as an example, based on the 2011-2018 provincial panel data and the 2018 CFPS data, we investigate the impact of digital finance on entrepreneurship to show the following results. (1) Digital finance has significantly promoted regional entrepreneurship, which is mainly reflected in the two dimensions of the coverage/depth of digital finance. (2) Our findings are particularly pronounced in provinces with low urbanization rates, in provinces with low government intervention, and in provinces with high material capital. (3) We find that the impact of digital finance on entrepreneurship has a threshold effect. After exceeding a certain threshold, digital finance plays a stronger role in promoting entrepreneurship. (4) The direct reason why digital finance promotes regional entrepreneurship is that it promotes family entrepreneurship.Combined with empirical conclusions, this paper proposes the following policy implications: First of all, policy authorities should vigorously support and optimize the construction of the financial infrastructure to improve coverage and popularize financial knowledge so as to increase the demand for financial services from the demander side and to better stimulate regional entrepreneurship. At the same time, government departments and financial institutions should also pay attention to “digital divide” and other issues when looking at digital support services, so as to avoid digital technology becoming the booster of financial exclusion, which is not conducive to regional entrepreneurship. Secondly, it is necessary to implement policies in accordance with local conditions. Provinces with low urbanization rate have late-mover advantages, provinces with high material capital have natural financial resource advantages, provinces with low government intervention have financial innovation power, and digital finance plays a role in these provinces. Thirdly, there is an optimal matching state between digital finance and regional entrepreneurship, so the influence of digital finance on entrepreneurship should be viewed dialectically to prevent digital finance from becoming a double-edged sword for regional entrepreneurship. Finally, digital finance is of great significance to family entrepreneurship, which may be a channel to enhance family wealth.
收稿日期: 2020-05-21     
作者简介: 陶云清(https://orcid.org/0000-0003-2016-243X),男,中南财经政法大学金融学院博士研究生,主要从事公司金融、金融科技研究;;曹雨阳(https://orcid.org/0000-0002-4981-5628),女,华中师范大学经济与工商管理学院硕士研究生,主要从事管理学研究;;张金林(https://orcid.org/0000-0002-7011-7576)(通信作者),男,中南财经政法大学金融学院教授,博士生导师,经济学博士,主要从事金融科技研究;;邹凯(https://orcid.org/0000-0003-1629-3605),男,中南财经政法大学金融学院博士研究生,主要从事金融科技研;
引用本文:   
陶云清, 曹雨阳, 张金林, 邹凯. 数字金融对创业的影响——来自地区和中国家庭追踪调查(CFPS)的证据[J]. 浙江大学学报(人文社会科学版), 2021, 51(1): 129-144. Tao Yunqing, Cao Yuyang, Zhang Jinlin, Zou Kai. The Impact of Digital Finance on Entrepreneurship: Evidences from Regional and National CFPS. JOURNAL OF ZHEJIANG UNIVERSITY, 2021, 51(1): 129-144.
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https://www.zjujournals.com/soc/CN/10.3785/j.issn.1008-942X.CN.33-6000/C.2020.05.213     或     https://www.zjujournals.com/soc/CN/Y2021/V51/I1/129
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