【摘要】 数字普惠金融利用数字技术推动普惠金融发展,开启创新的金融服务模式,可有效降低金融服务的门槛和成本,并为农户创业提供了更多可能。文章从相关文献入手阐释了数字普惠金融的功能特点,参照已有研究关于影响农民工创业融资渠道选择因素中的Logistic模型定义,利用二元Logistic回归估计了农民工创业融资渠道意愿选择因素的影响效果,揭示了现阶段制约农民工创业融资的具体影响因素,发掘了数字普惠金融支持农民工创业的可行性及功能优势,最后探讨了数字普惠金融支持农民工创业的创新思路及建议。更多还原

【Abstract】 Digital technology is used by digital inclusive finance to promote the development of inclusive finance and open up innovative financial service models. Digital inclusive finance reduces the threshold and cost of financial services effectively,and provides more possibilities for rural households to start business. The article reviews relevant literatures and explains the functional characteristics of digital inclusive finance. By taking the definition of Logistic model,which influences the choice of migrant workers’ financing channels in establishing business startups,in the literatures as reference,the article estimates the impact of factors influencing migrant workers’ willingness in choosing financing channels by using binary logistic regression. The article discovers the specific influencing factors that restrict the financing for migrant workers to establish business startups at the present stage and explores the feasibility and functional advantages of digital inclusive finance in supporting migrant workers to establish business startups. Finally,the innovative ideas and suggestions on how to use digital inclusive finance to support migrant workers are discussed.更多还原