银行竞争对家庭创业决策的影响——基于CHFS数据的实证研究

Impact of Bank Competition on Household Entrepreneurial Decision-making

基于中国家庭金融调查数据和中国银保监会金融许可证信息数据,本文采用Probit模型和Heckman模型实证考察了银行竞争对家庭创业决策和创业绩效的影响,并对其传导机制进行了探究。研究发现:银行竞争能促进家庭创业,并提高创业收入,该结论在处理样本选择和内生性后依旧成立。此外,银行竞争对农村地区家庭创业选择的促进作用更为显著,对城镇地区和高学历家庭的创业收入提升作用并不显著。银行竞争能使家庭获得更多银行贷款,进而促进创业。上述结果表明:我国应鼓励银行业适度竞争,并适当降低贷款门槛,进而鼓励家庭选择创业,增加家庭收入,推动经济发展。

Based on the survey data of Chinese household finance and the financial license information data of the China Banking and Insurance Regulatory Commission,this paper empirically investigates the impact of bank competition on household entrepreneurial decision-making and performance by using the Probit and Heckman Model,and explores its transmission mechanism.It is found that bank competition can promote household entrepreneurship significantly and increase entrepreneurial income.The conclusion remains true after dealing with sample selection and endogeneity;In addition,bank competition plays a more prominent role in promoting the entrepreneurial choice of households in rural areas but has no significant effect on improving the entrepreneurial income of urban areas and highly educated families.Bank competition can enable families to get more bank loans,and thus promote entrepreneurship.The above results show that China should encourage moderate competition in the banking industry,and appropriately lower the loan threshold,so as to encourage families to tart their own businesses,increase family income,and promote economic developmentncourage households to choose entrepreneurship,increase household income,and promote economic development.