| 摘要: |
| 摘要：伴随金融服务渠道向基层延伸、资源持续投入乡村，大型银行服务重心下沉已成为当前金融支持“三农”的关键举措。研究以大型银行服务重心下沉为准自然实验，运用双重差分模型实证检验了大型银行服务重心下沉对乡村创业的影响及其作用机制，结果发现：大型银行服务重心下沉能够显著促进乡村创业，并且该结论经过一系列稳健性检验后依然成立。融资约束在大型银行服务重心下沉与乡村创业的关系中起到调节作用，具体而言，地区的初始融资约束水平越低，大型银行服务重心下沉对乡村创业的促进作用越强。异质性分析表明，大型银行服务重心下沉在粮食主产区、非贫困县和地形起伏度较小的地区对乡村创业的促进作用更为显著。 |
| 关键词: 关键词：银行服务策略；乡村创业；融资约束；双重差分 |
| DOI： |
| 分类号:F832.3 |
| 基金项目:基金项目：教育部人文社会科学研究规划基金项目“‘双碳’目标下数字经济赋能制造业转型升级的机理及对策研究”（23YJA790095）。 |
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| Has the Shift of Large Banks’ Service Focus Downward Promoted Rural Entrepreneurship? |
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LI Yao-yao
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（the Publisher of Journal of Contemporary Financial Research）
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| Abstract: |
| Abstract：With financial service channels extending to the grassroots and resources continuously being invested in rural areas,the shift of large banks’ service focus to these areas has become a key measure in supporting the “three rural” (agriculture,rural areas,and farmers) initiatives.This study uses the shift of large banks’ service focus as a quasi-natural experiment and employs a difference-in-differences model to empirically examine the impact of this shift on rural entrepreneurship and its mechanisms.The findings indicate that the shift of large banks’ service focus can significantly promote rural entrepreneurship,and this conclusion remains robust after a series of robustness tests.Financing constraints play a moderating role in the relationship between the shift of large banks’ service focus and rural entrepreneurship.Specifically,the lower the initial level of financing constraints in a region,the stronger the promotion effect of the shift on rural entrepreneurship.Heterogeneity analysis shows that the promotion effect of the shift of large banks’ service focus on rural entrepreneurship is more significant in major grain-producing areas,non-impoverished counties,and regions with relatively gentle terrain. |
| Key words: Key words：Banking Services Strategy；Rural Entrepreneurship；Financing Constraints；Double Difference |
