디지털 포용금융 확산이 중국 농촌지역의 혁신과 창업에 미치는 영향에 관한 연구

초록

Purpose : This study investigates the effect of digital inclusive finance on rural innovation and entrepreneurship in China. Research design, data, methodology : Using panel data from 28 Chinese provinces covering the period 2014–2022, this study combines the Peking University Digital Inclusive Finance Index with the rural innovation and entrepreneurship index in China. A two-way fixed effects model is employed to identify the impact of digital inclusive finance. Results : The empirical results show that digital inclusive finance significantly promotes rural innovation and entrepreneurship, with a stronger effect on entrepreneurship than innovation. The impact also varies across regions. Conclusions : The findings suggest that digital inclusive finance contributes to rural innovation and entrepreneurship in China, the effectiveness varies across activities and regions.

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