村庄金融环境与农户创业行为

Village's Financial Environment and Farmers' Entrepreneurship

本文提出了根据村庄附近金融机构的分布情况构建金融环境指数的方法,并利用这种方法所构建的金融指数分析了村庄金融环境对农户创业行为的影响。文章的结论表明,金融环境确实对农户的创业行为有积极促进作用,不但有助于农户创业,而且有助于已经创业的农户扩大规模变成"企业家"。进一步以金融机构为解释变量的分析表明,四大国有银行对农户创业并没有影响;农村信用社对农户创业有积极影响,但不会影响农户是否成为"企业家";新型农村金融机构对农户创业和成为"企业家"都有积极影响。

This paper,based on the distribution of financial institutions around the villages,proposes a method of financial environment index,with which it then analyses the influence of village's financial environment on farmers' entrepreneurship.It concludes that favorable financial environment is beneficial to farmers' entrepreneurial behavior,not only assisting them to start a business,but also helping famers who have run a business grow into entrepreneurs through expanding their business scale.With financial institutions as explanatory variables,it further concludes that the four major state-owned banks do not benefit the farmers' entrepreneurial behavior,while Rural Credit Cooperatives(RCCs) do play an active role on farmers' entrepreneurial behavior,but cannot help them to become entrepreneurs.New types of rural financial institutions,however,provide a helping hand to the farmers in both aspects.