金融知识是否有利于农民工创业——来自中国的微观证据

Does Financial Literacy Facilitate Migrant Workers′Entrepreneurship:Micro Evidence from China

当前,经济下行压力对就业市场造成较大冲击,特别是对于农民工等弱势群体的影响更大,而鼓励创业有助于缓解就业压力。基于此,文章利用CHFS2017数据实证研究了金融知识对农民工创业决策和创业绩效的影响。研究发现,金融知识显著正向影响了农民工的创业决策和创业绩效,这一结论在使用多种稳健性检验方法下仍然保持稳健;机制分析表明,金融知识主要是通过缓解农民工的信贷约束和改变农民工的风险态度作用于创业决策和创业绩效。研究进一步丰富了创业理论,也为农民工提升创业能力、优化创业决策提供了经验依据,对于推动农村经济发展、促进城乡融合发展具有一定价值。

The current economic downturn exerts significant pressure on the employment market,particularly affecting vulnerable groups such as migrant workers.Encouraging entrepreneurship can help alleviate this employment pressure.This study empirically examines the impact of financial literacy on the entrepreneurial decisions and performance of migrant workers using data from CHFS2017.The findings reveal that financial literacy significantly and positively influences both the entrepreneurial decisions and performance of migrant workers.This conclusion remains robust across various robustness checks.Mechanism analysis shows that financial literacy primarily impacts entrepreneurial decisions and performance by easing credit constraints and altering risk attitudes among migrant workers.This research enriches the existing entrepreneurship theory and provides empirical evidence to help migrant workers enhance their entrepreneurial capabilities and optimize their decision-making processes.It also holds value for promoting rural economic development and fostering integrated urban-rural development.