摘要
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.
作者
项质略
张德元
XIANG Zhi-lue;ZHANG De-yuan(School of Economics,Anhui Universiry,Hefei 230601;School of Economies and Management,Nanjing Vocational University of Industrial Technology,Nanjing 210023)
出处
《软科学》
CSSCI
北大核心
2020年第9期134-139,共6页
Soft Science
基金
国家社会科学基金一般项目(18BJL025)
江苏省生产力学会开放课题(JSSCL2019B010)
关键词
信贷可得性
正规信贷
非正规信贷
农户创业
创业规模
credit availability
formal credit
informal credit
rural households'entrepreneurship
scale of entrepreneurship