| 岳中刚,王子遇.数字金融发展促进居民就业了吗？——基于中国家庭金融调查的数据分析[J].南京邮电大学学报(社会科学版）,2024,(02):82~92 |
| 数字金融发展促进居民就业了吗？——基于中国家庭金融调查的数据分析 |
| Has the development of digital finance promoted employment for residents? ——Data analysis based on Chinese Household Finance Survey |
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| DOI： |
| 中文关键词: 数字金融 居民就业 产业结构 创业 |
| 英文关键词:digital finance resident employment industrial structure entrepreneurship |
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| 中文摘要: |
| 数字金融依托数字技术突破了就业的时空限制，衍生出许多非标准化的新就业形态，对就业市场产生了深远影响。基于中国家庭金融调查（CHFS）的数据，实证检验数字金融发展对居民就业的影响。研究表明，数字金融发展对居民就业具有显著促进作用，产业结构和创业是数字金融发展影响就业的重要因素。异质性分析发现，数字金融发展促进了经济发展程度较低地区和受传统金融排斥群体的就业，居民金融素养在数字金融发展促进就业过程中起着正向调节作用。因此，可以通过发挥数字金融优势，支持平台经济发展，促进产业结构升级和创业等，促进居民就业。 |
| 英文摘要: |
| Digital finance， relying on digital technology， has broken through the temporal and spatial limitations of employment， giving rise to many non standard new forms of employment and having a profound impact on the job market. Based on data from the China Household Finance Survey （CHFS）， this study empirically tests the impact of digital finance development on household employment. Research has shown that the development of digital finance has a significant promoting effect on household employment， and industrial structure and entrepreneurship are important factors in the development of digital finance affecting employment . Heterogeneity analysis found that the development of digital finance has promoted employment in areas with lower levels of economic development and groups excluded by traditional finance， and the financial literacy of residents plays a positive regulatory role in the process of promoting employment through the development of digital finance. Therefore， we need to leverage the advantages of digital finance， support the development of platform economy， promote industrial structure upgrading and entrepreneurship to promote employment. |
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