Research On The Impact Of Government-credit Financing And Digital Inclusive Finance On The Childbearing Willingness Of People Of Childbearing Age

The main data of the seventh national census shows that our country has entered the stage of declining birthrate and aging population.Our country is building a new type of infrastructure,so that local governments will use their own credit to absorb social capital to supplement local fiscal expenditures.Digital inclusive finance can promote social equity and meet the funding needs of more groups.The development of the digital economy requires not only technical support,but also the implementation of infrastructure projects.Infrastructure projects require a large amount of funds and a long period,and they are generally constructed by the government.Government-credit Financing is one of the funding sources of major government projects in various regions,and it can well solve the problem of shortage of funds.Based on this background,this thesis explores the effect of our country’s government-credit Financing and digital inclusive finance on the reproductive willingness of people of childbearing age,so that the development of government-credit Financing and digital inclusive finance will inspire the improvement of our country’s fertility rate.Based on the research background and significance of the relationship between government-credit Financing and digital inclusive finance on the reproductive willingness of people of childbearing age,this thesis defines and puts forward the concepts and related theories of government-credit Financing,digital inclusive finance and reproductive willingness through combing and review of domestic and foreign literature.On this basis,this thesis first explains the current situation of our country’s government-credit Financing and digital inclusive finance,and briefly analyzes the current situation of our country’s fertility willingness,and then gives the mechanism of the role of government-credit Financing and digital inclusive finance on the fertility willingness of people of childbearing age.After that,this thesis explores the correlation between government-credit Financing and digital inclusive finance.This thesis verifies and analyses the correlation between our country’s government-credit Financing and digital inclusive finance on the childbearing willingness of people of childbearing age through an empirical measurement model.On this basis,this thesis discusses countermeasures and suggestions to increase domestic fertility.On exploring the relationship between government-credit Financing and digital inclusive finance.In this thesis,the traditional CCA model is improved,and the Fast PCS model is combined with the traditional CCA.A robust canonical correlation analysis based on Fast PCS is constructed,and its robustness is verified by simulation study.This thesis uses the improved model to analyze and study the correlation between digital inclusive finance and government-credit Financing.The research shows that government-credit Financing has a strong correlation with the breadth,depth and support of digital.Further studies find that political credit ability and payment business are strongly correlated,and in the eastern region,the two groups of variables have higher mutual interpretations.In the empirical study of government-credit Financing and digital inclusive finance on the willingness to bear children of people of childbearing age.In the empirical aspect,this thesis adopts the ordered logit model and the multi-category logit model to obtain the results of willing to increase the number of children and the gender of the willing child by government-credit Financing and digital inclusive finance.The XGBoost algorithm is compared with the above results,and leading to the following conclusions.The influencing factors of the willingness of the childbearing age population to increase the number of children.In the case of high government-credit Financing level,digital inclusive finance has a significant positive effect on the number of willingness to increase;a combination of high government-credit Financing level and high digital inclusive finance level can significantly increase the number of willingness to increase,and the two low-level combinations can significantly reduce the number of new willingness than other combinations.The influencing factors of the child’s gender on the wishes of the childbearing age population.Under different levels of government-credit Financing level,digital financial inclusion level has no significant effect on gender preference;under the high level of digital financial inclusion,government-credit Financing level has a negative effect on preference for boys.A combination of high government-credit Financing level and high digital inclusive finance level prefers boys than other groups of childbearing age.The above conclusions verify that our country’s digital financial inclusion and government-credit Financing can significantly increase the willingness to bear children of the childbearing age population,but under the different combination of the two levels,the gender of the intended child is different.Based on the above theory and empirical analysis,this thesis puts forward corresponding suggestions on how to better improve the fertility rate.The first is the common development of government-credit Financing and digital inclusive finance.The second is underdeveloped regions give priority to the development of government credit and finance and improve the capacity of local government credit.The third is to develop diversified products of government-credit Financing and to improve the level of digital inclusive financial services.The fourth is to improve relevant laws,so that ensure the effective implementation of the three-child policy.