金融可得性与农村家庭创业——基于CHARLS数据的实证研究

ACCESS TO FINANCE AND RURAL HOUSEHOLD ENTREPRENEURSHIP——An Empirical Study Based on CHARLS Data

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。

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 choices. The results show that Chinese rural families＇ entrepreneurial choices behavior and the scale of assets they owned and the financial resource＇s availability presents a positive correlation. It indicates that in China＇s rural families, the existence of financial constraints restricts the entrepreneurial activities of nonagricultural areas to some extent. Improving household＇s financial availability has a positive marginal effect to entrepreneurial probability. In addition, the financial availability in rural communities also has an important impact on household＇s level of entrepreneurship. Therefore, 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.