信贷可得性与农户创业规模扩张

Credit Availability and Expansion of Rural Households*Entrepreneurship

选取处于创业发展阶段的农户为研究对象,阐释正规与非正规信贷可得性对农户创业规模扩张行为产生影响的逻辑机理,并利用CFPS2016与2018年数据进行验证。研究发现:在创业发展阶段,仅有正规信贷可得性对农户创业规模扩张存在显著的促进作用,而非正规信贷可得性基本失效。同时,正规信贷可得性对存在家庭劳动力富余的创业农户产生的促进作用更大。上述发现揭示了正规与非正规信贷可得性对农户创业的影响作用在不同创业阶段存在的结构性差异。

This paper selects rural households at the entrepreneurial development stage as the research object,explains the logical mechanism of credit availability affecting the expansion of rural households'entrepreneurial scale,and uses CFPS 2016 and 2018 data to verify.It finds that at the stage of entrepreneurial development,only formal credit availability signifi-cantly promotes the expansion of rural households'entrepreneurship,while informal credit availability basically fails.At the same time,the availability of formal credit has a greater impact on entrepreneurial rural households with surplus family la-bor.The above findings reveal important structural differences in the impact of formal and informal credit availability on rural households'entrepreneurship at different stages of entrepreneurship.