金融约束与家庭创业收入:城乡差异与政策取向

发布时间：2018-06-18 05:32

本文选题：金融约束 + 家庭创业收入　；参考：《江海学刊》2013年04期

【摘要】：金融的核心功能是支持企业家的创业和创新活动,金融体系不完善和金融约束会限制家庭创业和创业企业的效率。基于CHARLS2008数据对金融约束对城乡家庭创业收入的影响进行实证研究的结果表明,中国城乡家庭创业普遍受到金融约束的影响,其影响程度存在城乡差异,农村创业家庭面临更高程度的金融约束。创业家庭人均资产每增加1万元,城镇和农村家庭创业收入将分别增加1080元和1306元,缓解金融约束对农村家庭创业收入的边际作用更大。因此,未来应推动金融资源向农村地区倾斜,改变传统的抵押和质押等以自有财富为基础的融资方式,缓解金融约束并提高家庭创业收入,逐步缩小城乡收入差距。
[Abstract]:The core function of finance is to support entrepreneurs' entrepreneurial and innovative activities. Financial system imperfections and financial constraints will limit the efficiency of family entrepreneurship and entrepreneurial enterprises. Based on CHARLS2008 data, the empirical study on the impact of financial constraints on urban and rural households' entrepreneurial income shows that Chinese urban and rural family entrepreneurship is generally affected by financial constraints, and its impact degree is different between urban and rural areas. Rural entrepreneurial families face a higher degree of financial constraints. For every 10, 000 yuan increase in capital per capita, the income of urban and rural households will increase by 1080 yuan and 1306 yuan respectively, and the marginal effect of easing financial constraints on rural households' entrepreneurial income will be greater. Therefore, in the future, we should push financial resources to the rural areas, change the traditional financing methods based on their own wealth, such as mortgage and pledge, ease the financial constraints and raise the income of family entrepreneurship, and gradually narrow the income gap between urban and rural areas.
【作者单位】：南京农业大学经济管理学院;南京农业大学金融学院;
【基金】：国家社科基金重大项目“环境保护、食品安全与农业生产服务体系”(项目号:11&ZD155) 国家自然科学基金青年项目“农地制度对农村信贷市场绩效的影响及其政策选择”(项目号:71103132)的阶段性成果
【分类号】：F832.4;F249.2

【二级参考文献】