创业资源禀赋、外部环境和农户创业借贷——影响途径和政策启示

Entrepreneurial Resources Endowment,External Environment and Farmers Borrowing——The Path of the Impact and the Policy Implications

农户创业是形成农村经济内生增长动力的有效路径,研究创业农户的借贷行为是农户创业金融扶持政策形成的基础。利用中国14省(区)1 524个农户的微观调查数据分析了农户创业禀赋、外部环境对农户创业借贷行为的影响。研究发现:拥有更多创业资源禀赋如人力资本、耕地资源、创业经历、创业资本的农户更不倾向于产生借贷行为,外部环境支持使农户更倾向于产生借贷行为。研究结果为制定农户创业的相关支持政策,尤其是金融支持政策提供了重要依据。

Farmer entrepreneurship is an effective path of rural economic endogenous growth power; studying the entrepreneurial farmers borrowing is the basis of forming the financial support policy. Based on microscopic investigation data of 1524 farmers of 14 provinces in China, this paper analyzes the impacts on farmers entrepreneurial borrowing. The results shows that： farmers with more entrepreneurial resources endowment, such as rich human capital, cultivated land resources, entrepreneurial experience and venture capital, do not tend to produce more borrowing; and the external environment supports promote more borrowing. This article provides an important basis for the establishment of financial support policies.