山西农业大学学报（社会科学版）2026，Vol.25Issue(2)：44-61,18.DOI:10.13842/j.cnki.issn1671-816X.2026.02.005
数字普惠金融如何改善进城务工人员就业质量
How digital inclusive finance improve the employment quality of migrant workers?
摘要
Abstract
In the process of promoting common prosperity and high-quality employment,digital inclusive finance,as a technology-driven financial innovation,provides a new pathway to enhance the employment quality of migrant workers.Based on the data from China Labor-force Dynamics Survey(CLDS)in 2014,2016,and 2018,and combined with Digital Inclusive Finance In-dex of China,the research constructs a two-way fixed effects model to systematically evaluate the impact of digital inclusive fi-nance on migrant workers'employment quality.It further explores the underlying mechanisms through mediation analysis and het-erogeneity analysis.The results show that digital inclusive finance significantly improves employment quality,particularly in terms of income levels and social security.The effect is most pronounced among workers with medium employment quality,while the impact on low-quality groups is limited.Mechanistically,the positive effect operates primarily through promoting hu-man capital accumulation and reducing involuntary entrepreneurship.These findings provide empirical support for improving em-ployment quality among migrant workers and offer policy-relevant implications for optimizing digital financial strategies.关键词
数字普惠金融/进城务工人员/就业质量/人力资本/创业选择Key words
Digital inclusive finance/Migrant workers/Employment quality/Human capital/Entrepreneurship choice分类
管理科学引用本文复制引用
黄文礼,姜明舟,陈勇..数字普惠金融如何改善进城务工人员就业质量[J].山西农业大学学报（社会科学版）,2026,25(2):44-61,18.基金项目
浙江省哲学社会科学规划课题—重大课题"数字金融风险传染、溢出效应及政策有效性研究"(24QNYC18ZD) （24QNYC18ZD）
