摘要
本研究依据福建省408份家庭农场调研数据,梳理国内外研究文献,基于信息不对称理论和信贷配给理论基础,运用多元线性回归、因果步骤法和层次回归分析法厘清金融素养对家庭农场创业绩效影响的内在机制,结果表明:(1)在金融素养中,金融知识和金融能力两个维度能够有效地促进家庭农场创业绩效的提升;(2)较高的金融知识和金融能力水平,有助于家庭农场获取正规信贷资源;(3)拥有较高正规信贷可得性的家庭农场,往往能够创造出更高的绩效;(4)拥有较高先验知识的家庭农场创业者,能够更为高效地将正规信贷资金转化为家庭农场的创业绩效;(5)在控制变量对家庭农场创业绩效影响中,年龄、受教育程度、打工年限、家庭农场成立年限、家庭农场经营规模均对家庭农场的创业绩效具有显著影响。结合以上结论,从政府机构、金融机构、家庭农场自身3个角度提出具有针对性的金融素养和正规信贷可得性提升途径,以期缓解家庭农场需求型信贷配给所导致的融资窘境,为促进家庭农场创业绩效的提升提供参考建议。
Based on the data of 408 family farm surveys in Fujian Province,this research combs domestic and foreign research literature,based on the theory of information asymmetry and credit rationing theory,uses multiple linear regression,causal step method and hierarchical regression analysis to clarify financial literacy for family farms.The following conclusions are drawn:(1)in financial literacy,the two dimensions of financial knowledge and financial ability can effectively promote the improvement of family farms’entrepreneurial performance;(2)a higher level of financial knowledge and financial ability helps family farms obtain formal credit resources;(3)family farms with higher formal credit availability can often create higher performance;(4)family farm entrepreneurs with higher prior knowledge can more efficiently convert formal credit funds into entrepreneurship performance of family farms;(5)in the influence of control variables on the entrepreneurial performance of family farms,age,education level,number of years of work,years of establishment of family farms,and scale of family farm operations all have a significant impact on the entrepreneurial performance of family farms.Combining the above conclusions,this paper proposes targeted ways to improve financial literacy and the availability of formal credit from three perspectives:government agencies,financial institutions,and family farms themselves.With a view to alleviating the financing dilemma caused by the demand-based credit rationing of family farms and promoting the improvement of their entrepreneurial performance.
作者
陈佑成
魏正一
李自强
CHEN Youcheng;WEI Zhengyi;LI Ziqiang(Anxi College of Tea Science,The Center of Tea Industrial Development Research in Fujian Province,Fujian Agriculture and Forestry University,Quanzhou 362406,China)
出处
《云南农业大学学报（社会科学版）》
2021年第5期55-64,共10页
Journal of Yunnan Agricultural University(Social Science)
基金
农业农村部资助项目“福建省安溪县现代农业产业园协同创新中心项目”(KMD18003A)。
关键词
金融素养
正规信贷可得性
家庭农场
创业绩效
financial literacy
formal credit availability
family farm
entrepreneurial performance
