Research On The Impact Of Digital Inclusive Finance On Flexible Employment Of Resident Household

The report of the 20 th National Congress of the Communist Party of China pointed out that employment is the most basic livelihood.However,at this stage,China still faces long-term challenges in stabilizing employment.As a form of employment with diverse employment methods and high freedom of employment time and space,family flexible employment plays an important role in alleviating the pressure on China’s total employment.As a product of the combination of digital technology and financial innovation,digital inclusive finance can broaden the boundaries of financial services,reduce service costs,and alleviate financing constraints,thereby promoting entrepreneurship.Will this have an impact on family flexible employment? Based on this issue,this paper proposes to study the relationship between digital inclusive finance and family flexible employment.After elaborating the research background and significance,combing relevant literature,this study defines the concepts of digital inclusive finance and flexible employment,introduces financial development related theories and social capital theory into the research system,and explores the relationship between digital inclusive finance and flexible employment of households.Based on the data from the2019 China Household Finance Survey and the Peking University Digital Inclusive Finance Index,this paper empirically analyzes the impact of digital inclusive finance development on household flexible employment using OLS linear regression model and Probit binary selection model.The empirical results show that digital inclusive finance can significantly and positively stimulate household flexible employment,and the results are still valid after conducting a robustness test;Digital inclusive finance is more conducive to flexible employment for low-income families,families with low levels of financial knowledge,families in western regions,and urban families at or below the third tier.Compared to employed flexible employment,digital inclusive finance has a more significant positive effect on self-employed flexible employment for family members;Digital inclusive finance promotes flexible employment for families by promoting family entrepreneurship;Social networks play a negative regulatory role between digital inclusive finance and flexible employment,that is,there is a substitution relationship between digital inclusive finance and social networks.Finally,based on empirical research,this article gives four suggestions from the perspective of promoting flexible employment through the development of digital inclusive finance:(1)Continuously promoting the construction of a digital inclusive financial system;(2)Guide the flow of digital financial resources to underdeveloped regions and vulnerable groups;(3)Comprehensively improve digital financial inclusion policies to support flexible employment;(4)Actively improve the construction of a flexible employment service system.