数字普惠金融、金融素养与农户创业

在“大众创业、万众创新”的战略背景下，探究数字普惠金融与农户创业的关系对双创具有重要意义。首先，梳理数字普惠金融影响农户创业的直接和间接作用机制，得出数字普惠金融缓解金融约束促进创业是直接机制、提高农户的金融素养促进创业是间接机制的结论。其次，基于中国家庭追踪调查(CFPS)数据，探究数字普惠金融是否有效促进农户创业。结果表明，数字普惠金融发展能显著促进农户创业，且覆盖更广。数字普惠金融对东中部地区农户创业的促进作用更显著，尤其是社会网络维度广的农户。最后，基于研究结论就进一步发展数字普惠金融促进农户创业提出相应建议。

Digital Inclusive Finance, Financial Literacy and Farmers' Entrepreneurship

Under the strategic background of "mass entrepreneurship and innovation", it is of great significance to explore the relationship between digital inclusive finance and farmers'' entrepreneurship. Firstly, it combs the direct and indirect mechanisms of digital inclusive finance affecting farmers'' entrepreneurship, and draws the conclusion that it is a direct mechanism that digital inclusive finance alleviates financial constraints and promotes entrepreneurship and improving farmers'' financial literacy and promoting entrepreneurship is an indirect mechanism. Secondly, based on the data of China Family Panel Studies (CFPS), this paper explores whether digital inclusive finance can effectively promote farmers'' entrepreneurship. The results show that the development of digital inclusive finance can significantly promote farmers'' entrepreneurship, and the role of coverage is more obvious. Digital inclusive finance plays a more significant role in promoting farmers'' entrepreneurship in the eastern and central regions, especially for farmers with wide social network dimensions. Finally, based on the research conclusions, this paper puts forward corresponding suggestions on further developing digital inclusive finance to promote farmers'' entrepreneurship.