本文選題：金融約束 + 家庭創(chuàng)業(yè)收入��； 參考：《江海學刊》2013年04期

【摘要】：金融的核心功能是支持企業(yè)家的創(chuàng)業(yè)和創(chuàng)新活動,金融體系不完善和金融約束會限制家庭創(chuàng)業(yè)和創(chuàng)業(yè)企業(yè)的效率�；贑HARLS2008數(shù)據(jù)對金融約束對城鄉(xiāng)家庭創(chuàng)業(yè)收入的影響進行實證研究的結(jié)果表明,中國城鄉(xiāng)家庭創(chuàng)業(yè)普遍受到金融約束的影響,其影響程度存在城鄉(xiāng)差異,農(nóng)村創(chuàng)業(yè)家庭面臨更高程度的金融約束。創(chuàng)業(yè)家庭人均資產(chǎn)每增加1萬元,城鎮(zhèn)和農(nóng)村家庭創(chuàng)業(yè)收入將分別增加1080元和1306元,緩解金融約束對農(nóng)村家庭創(chuàng)業(yè)收入的邊際作用更大。因此,未來應推動金融資源向農(nóng)村地區(qū)傾斜,改變傳統(tǒng)的抵押和質(zhì)押等以自有財富為基礎的融資方式,緩解金融約束并提高家庭創(chuàng)業(yè)收入,逐步縮小城鄉(xiāng)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.
【作者單位】： 南京農(nóng)業(yè)大學經(jīng)濟管理學院;南京農(nóng)業(yè)大學金融學院;
【基金】：國家社科基金重大項目“環(huán)境保護、食品安全與農(nóng)業(yè)生產(chǎn)服務體系”(項目號:11&ZD155) 國家自然科學基金青年項目“農(nóng)地制度對農(nóng)村信貸市場績效的影響及其政策選擇”(項目號:71103132)的階段性成果
【分類號】：F832.4;F249.2

【二級參考文獻】

相關期刊論文 前2條

1 王霄;胡軍;;社會資本結(jié)構(gòu)與中小企業(yè)創(chuàng)新——一項基于結(jié)構(gòu)方程模型的實證研究[J];管理世界;2005年07期

2 郭軍盈;;我國農(nóng)民創(chuàng)業(yè)的區(qū)域差異研究[J];經(jīng)濟問題探索;2006年06期

【相似文獻】

相關重要報紙文章 前1條

1 伍全方;江門去年追回欠薪1310萬[N];廣東建設報;2007年

，

本文編號：2034334