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Digital Inclusive Finance, Multidimensional Education, and Farmers’ Entrepreneurial Behavior

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  • Ziqiang Liu
  • Yihao Zhang
  • Hongyi Li

Abstract

Scarce financial supply and low education level are important factors that inhibit the entrepreneurial behavior of rural residents in China. Based on the Static Career Choice Model, this paper matches the 2016 China Household Finance Survey (CHFS) micro-data with the Peking University Digital Financial Inclusive Index of the previous years to empirically test the impact of digital financial inclusion and academic education, tacit knowledge, and Internet learning on farmers. The direct influence and linkage effect of entrepreneurial behaviors revealed that digital financial inclusion and multidimensional education could significantly promote farmers’ entrepreneurial choices. Digital financial inclusion can relieve the constraints of insufficient academic education on farmers’ entrepreneurial choices, partially replace the tacit knowledge for rural residents, and improve the efficiency of Internet learning, which ultimately enhances the entrepreneurial behavior choices of the farmers. Our results are still significant and robust with respect to the sample data, explained variables, and estimation methods. We also consider the use of instrumental variables to overcome the potential endogeneity issues. Through comparative analysis of different regions, it is found that the performance is particularly obvious in the eastern region.

Suggested Citation

  • Ziqiang Liu & Yihao Zhang & Hongyi Li, 2021. "Digital Inclusive Finance, Multidimensional Education, and Farmers’ Entrepreneurial Behavior," Mathematical Problems in Engineering, Hindawi, vol. 2021, pages 1-13, October.
    • Handle: RePEc:hin:jnlmpe:6541437
    DOI: 10.1155/2021/6541437
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    Cited by:

    1. Shao, KaiChao & Ma, Ruixue & Kamber, Joseph, 2023. "An in-depth analysis of the entrepreneurship of rural Chinese mothers and the digital inclusive finance," Telecommunications Policy, Elsevier, vol. 47(7).
    2. Jin, Laiqun & Dai, Jiaying & Jiang, Weijie & Cao, Kairui, 2023. "Digital finance and misallocation of resources among firms: Evidence from China," The North American Journal of Economics and Finance, Elsevier, vol. 66(C).
    3. Weicheng Xu & Xiangyu Zhu, 2022. "Evaluation and Determinants of the Digital Inclusive Financial Support Efficiency for Marine Carbon Sink Fisheries: Evidence from China," IJERPH, MDPI, vol. 19(21), pages 1-24, October.
    4. Hongbo Zhao & Xiao Zheng & Lin Yang, 2022. "Does Digital Inclusive Finance Narrow the Urban-Rural Income Gap through Primary Distribution and Redistribution?," Sustainability, MDPI, vol. 14(4), pages 1-19, February.
    5. Jiaojiao Chen & Hongkai Hou & Zujun Liao & Li Wang, 2024. "Digital Environment, Digital Literacy, and Farmers’ Entrepreneurial Behavior: A Discussion on Bridging the Digital Divide," Sustainability, MDPI, vol. 16(23), pages 1-18, November.
    6. Cheng, Xiaoqiang & Yao, Dingjun & Qian, Yuanyuan & Wang, Bin & Zhang, Deliang, 2023. "How does fintech influence carbon emissions: Evidence from China's prefecture-level cities," International Review of Financial Analysis, Elsevier, vol. 87(C).
    7. Yashuo Xue & Mei Kong & Ruiying Chen & Qingmin Wang & Yangyang Shen & Jiakun Zhuang, 2023. "How Does Internet Use Promote Returned Migrant Workers’ Entrepreneurship: Evidence from Rural China," Sustainability, MDPI, vol. 15(13), pages 1-22, June.
    8. Zhang, Qian & Webster, Natasha A. & Han, Shengnan & Ayele, Workneh Yilma, 2023. "Contextualizing the rural in digital studies: A computational literature review of rural-digital relations," Technology in Society, Elsevier, vol. 75(C).
    9. Xinmin Liu & Yue Zheng & Wencheng Yu, 2023. "The Nonlinear Relationship between Intellectual Property Protection and Farmers’ Entrepreneurship: An Empirical Analysis Based on CHFS Data," Sustainability, MDPI, vol. 15(7), pages 1-16, March.
    10. Shiyu Ji & Jincai Zhuang, 2023. "The Impact Path of Digital Literacy on Farmers’ Entrepreneurial Performance: Based on Survey Data in Jiangsu Province," Sustainability, MDPI, vol. 15(14), pages 1-17, July.
    11. Kun Song & Yu Tang & Dungang Zang & Hua Guo & Wenting Kong, 2022. "Does Digital Finance Increase Relatively Large-Scale Farmers’ Agricultural Income through the Allocation of Production Factors? Evidence from China," Agriculture, MDPI, vol. 12(11), pages 1-15, November.

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