Journal of Guangxi Teachers Education University (Philosophy and Social Sciences Edition) ›› 2025, Vol. 61 ›› Issue (2): 121-143.doi: 10.16088/j.issn.1001-6597.2025.02.010

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How Does the Use of Digital Finance Affect Farmers' Entrepreneurship: Micro Evidence Collected from 1 525 Households in Central and Western China

ZHANG Lin1,2, WANG Long-ji2, WANG Yan-xia2   

  1. 1. Center for Inclusive Finance and Agricultural & Rural Development, Southwest University, Chongqing 400715, China;
    2. College of Economics and Management, Southwest University, Chongqing 400715, China
  • Received:2024-04-02 Online:2025-03-05 Published:2025-02-26

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Abstract: Farmers' entrepreneurship functions as an important impetus to promote economic development in rural areas, and it is impacted positively by the engagement of digital finance. Probit model is established by employing the survey data of 1 525 households scattered in Yunnan, Guizhou, Sichuan, Chongqing, and Hunan provinces to empirically test the impact of digital finance use on farmers' entrepreneurship and its mechanism and heterogeneity. The results show that digital finance can significantly promote farmers' entrepreneurship and it still holds after a series of endogenous analysis and robustness tests. Compared with agricultural entrepreneurship, the promoting effect is greater on non-agricultural entrepreneurship; compared with development oriented entrepreneurship, this effect is greater on survival oriented entrepreneurship. The promotion is achieved through reducing financial acquisition costs, alleviating credit constraints and improving information accessibility. To promote rural entrepreneurship and innovation, especially the former, we should accelerate the development of rural digital finance, bridge the digital divide of vulnerable groups in rural finance, strengthen financial support from financial institutions for entrepreneurial farmers, and adopt more supportive policies for farmers' entrepreneurship.

Key words: the use of digital finance, farmers' entrepreneurship, rural revitalization, central and western regions

CLC Number:  F830.49
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