四川大学硕士学位论文
径而言，数字普惠金融与金融素养在对农村居民创业的影响上，存在正向交互作
用。进一步地，本文检验发现，数字普惠金融的发展对于涉农创业的影响效果更
强，对非农创业的影响效果较弱。而在将样本根据经济发展水平进行分组回归后
发现，数字普惠金融对于经济发展水平较低的区域有显著的正向影响，而对经济
发展水平较高的区域作用并不明显。
通过分析，本文有以下三点建议：一是提高数字普惠金融在四川农村地区的
发展水平，并着力于缩小在数字普惠金融发展过程中的地区差异，为农村居民创
业创造良好环境；二是加强 5G等基础设施建设，进一步完善数字金融设施，从
而能够以低成本为四川省农村居民提供更为高效的数字普惠金融服务；三是根据
民众需求，有针对性地开展金融培训，提高居民金融素养，从而激发四川省农村
地区的创业活力。
关键词：数字普惠金融金融素养农村家庭创业
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四川大学硕士学位论文
The Impact of Digital Inclusive Finance and Financial
Literacy on Rural Household Entrepreneurship
——Based on the Survey Data of Sichuan Province
Major：Finance
Postgraduate：Luo Haochuan
Supervisor：Jia Li
Abstract：The rise of entrepreneurial economy is an effective driving force to
promote economic transformation and economic development in the new era.
According to the 2018-2019 Global Entrepreneurship Monitor China report released by
the G20 Entrepreneurship Research Center of Tsinghua University, China's
entrepreneurial environment scored 5.0 points, ranking sixth among G20 economies
and among the top. However, in the situation of entrepreneurship and innovation, the
hidden is the unbalanced development of entrepreneurial activities. According to the
data of China Family Panel Studies (CFPS), the proportion of rural households starting
businesses in China was 7.55% in 2012 and 7.49% in 2018, which did not show an
obvious trend of increase. This shows that despite of the nationwide promotion of
entrepreneurial support policies, rural areas do not seem to benefit significantly. In
recent years, the rapid development of digital technology has promoted the
development of inclusive finance, which has a huge reduction in the threshold of
financial services. This industry shows a new perspective to solve some financing
difficulties and high financing costs in the process of peasant households starting their
own businesses. It is of great impotence to study if digital inclusive finance could affect
rural households' entrepreneurial behavior， for improving the entrepreneurial
environment of rural households and make development of digital inclusive finance in
rural areas better promote the rural revitalization strategy.
This paper uses the first-hand data of household survey carried out in Sichuan
Province to match with the digital inclusive finance index database. Through
descriptive statistical analysis, factor analysis, probit regression model and interactive
regression model, the relationship between digital Inclusive Finance, financial literacy
and rural household entrepreneurship is analyzed. In the process of research, in order
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四川大学硕士学位论文
to avoid the influence of endogeneity, this paper uses the instrumental variable method
and the digital inclusive financial index to solve the problem of endogeneity. In order
to explore the interaction between digital Inclusive Finance and financial literacy in the
process of entrepreneurship, this paper constructs the interaction term of two variables
and adds to the regression model. It is found that digital Inclusive Finance has a
significant positive impact on rural family entrepreneurship in Sichuan. Specifically,
the coverage and regional digitalization of digital finance can promote family
entrepreneurship in rural areas. As far as the impact path is concerned, there is a positive
interaction between digital Inclusive Finance and financial literacy on the impact of
rural residents' entrepreneurship. Furthermore, this paper finds that the development of
digital Inclusive Finance has a stronger effect on agricultural entrepreneurship, and a
weaker effect on non-agricultural entrepreneurship. After grouping the samples
according to the level of economic development, we find that digital Inclusive Finance
has a significant positive impact on the regions with low level of economic development,
but not on the regions with high level of economic development.
Through the analysis, this paper has the following three suggestions: first, improve
the development level of digital Inclusive Finance in rural areas of Sichuan, and strive
to narrow the regional differences in the development process of digital Inclusive
Finance, so as to create a good environment for rural residents to start businesses;
Second, strengthen the construction of 5g and other infrastructure to improve the digital
financial facilities, so as to provide more efficient digital inclusive financial services
for rural residents in Sichuan Province at low cost; Third, carry out targeted financial
training according to people's needs to improve residents' financial literacy, so as to
stimulate the entrepreneurial vitality of rural areas in Sichuan Province.
Key words： digital inclusive finance, financial literacy, rural household
entrepreneurship
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