创业风险与数字金融普惠:跨国分析

IF 0.9 Q3 ECONOMICS
Comlanvi Martin Konou
{"title":"创业风险与数字金融普惠:跨国分析","authors":"Comlanvi Martin Konou","doi":"10.1111/1759-3441.12399","DOIUrl":null,"url":null,"abstract":"<p>The inception of financial technologies (Fintech) has enabled expanded use of financial services. Fintech contributes to financial inclusion and by doing so provides impacts on income inequality, poverty and economic growth. A prospective route of influence exerted by Fintech is to assist economic agents in taking entrepreneurial risks. The purpose of this study was to investigate the impact of digital financial inclusion, as enhanced by FinTech, on entrepreneurial risk. An index for measuring levels of digital financial inclusion was constructed based on variation patterns in several indicators of digital activities. A cross-country model was proposed that relates entrepreneurial risk to digital financial inclusion as well as to a variety of other economic and social factors. Estimation results based on a panel of countries show that digital financial inclusion (0.265), institutional quality (0.169), <i>per capita</i> GDP (0.0456) and education (0.0475) have positive and significant effects on entrepreneurial risk. In contrast, time required to start a business (−0.136) and effective tax rates on capital (−0.494) provide negative and significant effects. In addition, a significant quadratic relationship between entrepreneurial risk and remittances (employee compensation and personal transfers) was found.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9000,"publicationDate":"2023-07-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Entrepreneurial Risk and Digital Financial Inclusion: A Cross-Country Analysis\",\"authors\":\"Comlanvi Martin Konou\",\"doi\":\"10.1111/1759-3441.12399\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>The inception of financial technologies (Fintech) has enabled expanded use of financial services. Fintech contributes to financial inclusion and by doing so provides impacts on income inequality, poverty and economic growth. A prospective route of influence exerted by Fintech is to assist economic agents in taking entrepreneurial risks. The purpose of this study was to investigate the impact of digital financial inclusion, as enhanced by FinTech, on entrepreneurial risk. An index for measuring levels of digital financial inclusion was constructed based on variation patterns in several indicators of digital activities. A cross-country model was proposed that relates entrepreneurial risk to digital financial inclusion as well as to a variety of other economic and social factors. Estimation results based on a panel of countries show that digital financial inclusion (0.265), institutional quality (0.169), <i>per capita</i> GDP (0.0456) and education (0.0475) have positive and significant effects on entrepreneurial risk. In contrast, time required to start a business (−0.136) and effective tax rates on capital (−0.494) provide negative and significant effects. In addition, a significant quadratic relationship between entrepreneurial risk and remittances (employee compensation and personal transfers) was found.</p>\",\"PeriodicalId\":45208,\"journal\":{\"name\":\"Economic Papers\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.9000,\"publicationDate\":\"2023-07-13\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Economic Papers\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/1759-3441.12399\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Economic Papers","FirstCategoryId":"1085","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/1759-3441.12399","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"ECONOMICS","Score":null,"Total":0}
引用次数: 0

摘要

金融技术(Fintech)的出现使金融服务的使用得以扩大。金融科技有助于金融包容性,从而对收入不平等、贫困和经济增长产生影响。金融科技施加影响的一个潜在途径是帮助经济主体承担创业风险。本研究的目的是调查金融科技增强的数字金融包容性对创业风险的影响。根据数字活动的几个指标的变化模式,构建了一个衡量数字金融包容性水平的指数。提出了一个跨国模型,将创业风险与数字金融包容性以及各种其他经济和社会因素联系起来。基于一组国家的估计结果显示,数字金融包容性(0.265)、机构质量(0.169)、人均GDP(0.0456)和教育(0.0475)对创业风险有积极而显著的影响。相比之下,创业所需的时间(-0.136)和资本的有效税率(-0.494)会产生负面和显著的影响。此外,创业风险与汇款(员工薪酬和个人转账)之间存在显著的二次关系。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Entrepreneurial Risk and Digital Financial Inclusion: A Cross-Country Analysis

The inception of financial technologies (Fintech) has enabled expanded use of financial services. Fintech contributes to financial inclusion and by doing so provides impacts on income inequality, poverty and economic growth. A prospective route of influence exerted by Fintech is to assist economic agents in taking entrepreneurial risks. The purpose of this study was to investigate the impact of digital financial inclusion, as enhanced by FinTech, on entrepreneurial risk. An index for measuring levels of digital financial inclusion was constructed based on variation patterns in several indicators of digital activities. A cross-country model was proposed that relates entrepreneurial risk to digital financial inclusion as well as to a variety of other economic and social factors. Estimation results based on a panel of countries show that digital financial inclusion (0.265), institutional quality (0.169), per capita GDP (0.0456) and education (0.0475) have positive and significant effects on entrepreneurial risk. In contrast, time required to start a business (−0.136) and effective tax rates on capital (−0.494) provide negative and significant effects. In addition, a significant quadratic relationship between entrepreneurial risk and remittances (employee compensation and personal transfers) was found.

求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
Economic Papers
Economic Papers ECONOMICS-
CiteScore
2.30
自引率
0.00%
发文量
23
期刊介绍: Economic Papers is one of two journals published by the Economics Society of Australia. The journal features a balance of high quality research in applied economics and economic policy analysis which distinguishes it from other Australian journals. The intended audience is the broad range of economists working in business, government and academic communities within Australia and internationally who are interested in economic issues related to Australia and the Asia-Pacific region. Contributions are sought from economists working in these areas and should be written to be accessible to a wide section of our readership. All contributions are refereed.
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信