摘要
文章基于中国家庭金融调查(CHFS)2015年的数据,实证分析了金融素养、社会资本对家庭创业的影响。研究发现,金融素养和社会资本均对家庭创业产生显著的正影响,且社会资本的影响作用更明显。进一步探讨金融素养和社会资本的交互作用,发现金融素养和社会资本对家庭创业的选择具有替代作用,具体来看,同村/同城亲戚数量促进了金融知识对家庭创业选择的影响作用,而文化娱乐支出削减了金融知识对家庭创业选择的影响。因此,在金融素养培养上,金融机构及相关部门应积极开展金融知识普及活动,引导创业者主动学习金融知识;在社会资本加强上,相关部门应搭建创业者与企业家交流联系的渠道,创业者也要有意识积累创业人脉,拓展社会资源。
Based on the data of China Household Finance Survey(CHFS)in2015,this paper empirically analyzed the influence of financial literacy and social capital on household entrepreneurship.The result shows that both financial literacy and social capital have a significant positive impact on household entrepreneurship,and the impact of social capital is more obvious.After further exploring the interaction between financial literacy and social capital,it is found that financial literacy and social capital have an substitution effect on household entrepreneurship choice.Specifically,the number of relatives in the same village/city promotes the impact of financial knowledge on household entrepreneurship choice,while cultural entertainment expenditure reduces the impact of financial knowledge on household entrepreneurship choice.Therefore,in terms of financial literacy training,financial institutions and relevant departments should actively carry out financial knowledge popularization activities,and guide entrepreneurs to actively learn financial knowledge;in terms of social capital strengthening,relevant departments should set up communication channels between entrepreneurs and businessmen,and entrepreneurs themselves should also take the initiative to actively accumulate entrepreneurial contacts and expand social resources.
作者
郎慧
肖诗顺
Lang Hui;Xiao Shishun
出处
《中国西部》
2019年第6期67-79,共13页
Western China
关键词
金融素养
社会资本
创业选择
financial literacy
social capital
entrepreneurship choice
