Economic Theory and Business Management ›› 2014, Vol. 34 ›› Issue (10): 89-99.
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LU Ya-Juan-1,ZHANG Long-Yao-2,XU Yu-Yun-2
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卢亚娟1,张龙耀2,许玉韫2
作者简介:
基金资助:
教育部人文社会科学研究规划基金项目(12YJA790093);江苏省社科基金项目(11EYB013);江苏高校人文社会科学校外研究基地项目(08);江苏高校哲学社会科学研究重点项目(2014ZDIXM011);国家自然科学基金青年项目(71103132)
Abstract: This paper selects samples of 806 farmers from China health and retirement longitudinal study data to examine the relationship between financial availability and farmers entrepreneurial choicesThe results show that Chinese rural families entrepreneurial choices behavior and the scale of assets they owned and the financial resources availability presents a positive correlationIt indicates that in Chinas rural families, the existence of financial constraints restricts the entrepreneurial activities of nonagricultural areas to some extentImproving households financial availability has a positive marginal effect to entrepreneurial probabilityIn addition, the financial availability in rural communities also has an important impact on households level of entrepreneurshipTherefore, the policy needs to focus on lowering entry barriers of rural financial market and increasing formal financial supply for villages and towns especially rural communities in the future
Key words: access to finance , entrepreneurial choices of rural households , community financial supply
摘要: 本文选取CHARLS调查数据中806个农户样本对金融可得性与农户创业选择的相关性进行实证检验。结果显示,中国农村家庭的创业选择行为与其家庭金融资源可得性、拥有的资产规模呈现正相关关系。这表明,对我国的农村家庭而言,金融约束的存在一定程度上制约了其非农领域的创业活动,提高家庭金融可得性对于提高创业概率有显著的正向边际效应。此外,农村社区层面金融资源可得性对于社区内部家庭创业水平也存在重要影响。因此,未来促进农村地区家庭创业水平提高的政策重点是进一步降低农村金融准入门槛,增加乡镇尤其是农村社区层面的正规金融供给。
关键词: 金融可得性 , 家庭创业选择 , 社区金融供给
LU Ya-Juan-1,ZHANG Long-Yao-2,XU Yu-Yun-2. ACCESS TO FINANCE AND RURAL HOUSEHOLD ENTREPRENEURSHIP ——An Empirical Study Based on CHARLS Data[J]. Economic Theory and Business Management, 2014, 34(10): 89-99.
卢亚娟1,张龙耀2,许玉韫2. 金融可得性与农村家庭创业 ——基于CHARLS数据的实证研究[J]. 经济理论与经济管理, 2014, 34(10): 89-99.
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http://jjll.ruc.edu.cn/EN/Y2014/V34/I10/89