| Since the Economic Reform and open up,under the dual influence of the socialist market economic system and demographic dividend,China’s economy has developed rapidly and the current overall economic strength has been firmly in the forefront of the world.However,the pace of economic growth has gradually slowed in recent years,GDP growth has declined year by year,it is urgent to change the industrial structure and find a new economic growth point.In 2014,Premier Li Keqiang put forward the key word "mass entrepreneurship and innovation",aiming to provide more micro private enterprises with a good growth environment and stimulate economic development by relying on the vitality of private enterprises.This policy,which aim at provide equal access to financial services at all levels of society,is further supported by the introduction to the concept of inclusive finance.With the continuous development of big data and other technologies,digital finance,relying on its own advantages,makes up for some of the pain points and difficulties of traditional finance and enriches the financing channels for small businesses.This article based on the Peking University Digital Financial Inclusion Index of China and China Household Finance Survey,and built the Probit regression model.Tried to explore the relationship between digital financial inclusion and probability of entrepreneurship household.Three conclusions are drawn in this paper:(1)digital financial inclusion help increase residents of entrepreneurial enthusiasm,improve the probability of individual household;(2)Development of digital financial inclusion has heterogeneous differences in increasing the entrepreneurial probability of different families,and it has a more promoting effect on rural areas and families with low Edu level;(3)Entrepreneurial families investigated in recent years can improve their financial assets to some extent,and their entrepreneurial behaviors are of certain quality. |
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