摘要
该文基于CLDS2012年数据,分析金融约束对家庭创业行为的影响及其城乡差异。结果表明,样本家庭创业行为存在显著的城乡差异,城镇地区家庭创业概率为15.77%,而农村地区家庭创业概率为11.49%。整体上,家庭创业受到自有财富水平的影响,财富水平与家庭创业概率显著正相关,表明金融约束是家庭创业选择的重要决定因素。相对于农村家庭,城镇家庭在创业选择上受到显著的金融限制。在农村地区,非正规金融为创业提供了补充性的信贷支持。按财富阶层分组回归显示,总体上,财富分布处于后四分之一的家庭创业受到金融约束的抑制尤为显著,这有可能会导致收入差距的持续扩大和限制低财富家庭的"向上流动"。
Based on data CIDS2012, this study has an analysis of impacts of financial constraints towards household entrepreneurship and its differences between urban and rural areas. The results show that there are significant differences between urban and rural areas in the household entrepreneurship samples. The household entrepreneurship probability for developed urban areas is 15. 77%, while for the economically underdeveloped rural areas, it is 11.49%. Overall, household entrepreneurship is affected by the amount of wealth and its probability is positively correlated with wealth one owns, which shows that the financial constraints are very important deciding factors of household entrepreneurship choices. Compared to the rural households, urban households have significant financial constraints in the household entrepreneurship choices. In rural areas, informal finance provides complementary credit supports for their entrepreneurship. According to wealth classification regression, household entrepreneurship whose wealth ranks in the last quarter will be obviously inhibited by financial constraints, which may contribute to continuing expansion of income disparities and the limitations of ＂upward mobility＂ of less wealthy families.
出处
《上海经济研究》
CSSCI
北大核心
2015年第9期15-23,共9页
Shanghai Journal of Economics
基金
重庆市社科规划项目:"高校贫困生资助资源配置的效率研究"(编号:2014PY76)
国家社科基金项目:"农民工群体城市公共文化权益保障机制研究"(编号:12BZZ027)的资助
关键词
家庭创业
城乡差异
金融约束
Household entrepreneurship
The differences between urban and rural areas
Financial constraints
