FinTech and rural household entrepreneurship

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2024-08-29 DOI:10.1016/j.frl.2024.106026

引用次数: 0

Abstract

Entrepreneurship activities play an important role in economic growth and job creation. Based on China Family Panel Studies (CFPS) survey data in 2014, 2016, 2018 and 2020, and combing it with the financial technology (FinTech) Index, this study explores the impact of FinTech on rural household entrepreneurship using the Logit and IV estimations. The empirical findings highlight the significant role of FinTech in promoting rural household entrepreneurship. The mechanism analysis shows that FinTech positively modulates the relationship between formal finance and rural credit constraints, thereby fostering rural entrepreneurship. Notably, the impact of FinTech on entrepreneurship is particularly pronounced in areas with lower urbanization levels, indicating a greater potential for promoting entrepreneurship in less economically developed regions. Therefore, this study recommends expanding the coverage of FinTech to encourage rural household entrepreneurship and accelerate efforts towards rural revitalization.

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金融科技与农村家庭创业

创业活动在经济增长和创造就业方面发挥着重要作用。本研究基于中国家庭面板研究（CFPS）2014年、2016年、2018年和2020年的调查数据，结合金融科技（FinTech）指数，采用Logit和IV估计方法探讨了金融科技对农村家庭创业的影响。实证研究结果凸显了金融科技在促进农村家庭创业方面的重要作用。机制分析表明，金融科技正向调节正规金融与农村信贷约束之间的关系，从而促进农村创业。值得注意的是，金融科技对创业的影响在城市化水平较低的地区尤为明显，这表明金融科技在促进经济欠发达地区的创业方面具有更大的潜力。因此，本研究建议扩大金融科技的覆盖面，鼓励农村家庭创业，加快实现乡村振兴。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance

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