How do start-ups enhance risk tolerance and core competition through product, technology, and service development? What is the relationship between the core competitiveness of start-ups and R&D investments? Based on the perspective of entrepreneurial ability, 222 questionnaires were used to study the factors affecting the risk tolerance of start-ups and analyze the effect of risk tolerance on R&D investments. The research shows that the interactions of entrepreneur ability and start-up funds have a positive effect on the risk tolerance of start-ups, and the risk tolerance can positively promote R&D investment willingness and intensity for new products, technologies, and services. Also, R&D investment willingness plays a partial intermediary role between the risk tolerance of start-ups and the intensity of R&D investments.





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