社会网络、融资渠道与家庭创业——基于中国家庭金融调查数据的研究

发布时间：2018-11-25 18:27

【摘要】：本文从微观视角分析了社会网络通过融资渠道影响家庭创业的作用机制,并使用中国家庭金融调查2011年数据进行了实证检验。研究结果表明:第一,家庭社会网络越广,家庭创业的机会越大;第二,社会网络对正规信贷和民间借贷两个融资渠道均有显著正向影响,表明社会网络能够有效拓宽家庭创业融资途径;第三,正规信贷和民间借贷对家庭创业有显著的促进作用,表明通畅的融资渠道能有效促进家庭创业;第四,在当前存在正规信贷约束的情况下,家庭创业的机会也会受到影响而减少。基于上述结论,为了促进大众创业、万众创新,各级政府部门应培育与家庭创业和家庭金融相关的社会组织、缓解家庭创业过程中的信贷约束、规范发展民间金融市场,从而更好地为更多的家庭创业服务。
[Abstract]:This paper analyzes the mechanism of social network influencing family entrepreneurship through financing channels from a micro perspective, and makes an empirical test using the data of Chinese Household Finance Survey in 2011. The results show that: first, the wider the family social network, the greater the chance of family entrepreneurship; Second, the social network has a significant positive impact on both formal credit and private lending, indicating that social network can effectively broaden the family venture financing channels; Third, formal credit and private lending have a significant role in promoting family entrepreneurship, indicating that the smooth financing channels can effectively promote family entrepreneurship; Fourth, under the current formal credit constraints, family entrepreneurship opportunities will also be affected. Based on the above conclusions, in order to promote mass entrepreneurship and innovation, government departments at all levels should cultivate social organizations related to family entrepreneurship and family finance, ease the credit constraints in the process of family entrepreneurship, and standardize the development of private financial markets. In order to better serve more family entrepreneurship.
【作者单位】：西南财经大学经济学院;云南民族大学经济学院;
【分类号】：F279.2;F832.4

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