金融知识、家庭创业与信贷约束

Financial Knowledge,Household Entrepreneurship and the Credit Constraints

本文基于中国家庭金融调查(CHFS)数据,分析了金融知识对家庭、个人创业及家庭正规信贷约束的影响。研究发现能够正确计算存款利率和正确识别股票与基金风险等金融知识可以增加家庭与个人创业的概率。为了考察金融知识水平影响家庭与个人创业的间接机制,本文从家庭正规信贷约束角度做了进一步分析,发现受访者金融知识水平对家庭正规信贷约束状况具有显著影响,金融知识越丰富的受访者其家庭遭受正规信贷约束的可能性越低。

Based on Chinese Household Financial Survey（CHFS） data, this paper analyzed the impact of financial knowledge on family, individual entrepreneurship and family credit constraints.this study found that the probability of entrepreneurship of the families which the respondents who can correctly calculate the deposit rate and can correctly identify the risk between stocks and funds will increase the probability of household and personal entrepreneurship. In order to study the influence mechanism of financial knowledge to household or individual entrepreneurship, from the perspective of household credit constraints, this ar- ticle made a further analysis, we found the level of financial knowledge of respondents have a significant impact on the family situation of credit constraints, the more financial knowledge the respondents have, the lower the likelihood of household suffer- ing from credit constraints.