本文選題：金融約束 + 家庭創(chuàng)業(yè)收入��； 參考：《江海學(xué)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(dòng),金融體系不完善和金融約束會(huì)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(duì)金融約束對(duì)城鄉(xiāng)家庭創(chuàng)業(yè)收入的影響進(jìn)行實(shí)證研究的結(jié)果表明,中國(guó)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(wàn)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(duì)農(nóng)村家庭創(chuàng)業(yè)收入的邊際作用更大。因此,未來(lái)應(yīng)推動(dòng)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(cái)富為基礎(chǔ)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(xué)經(jīng)濟(jì)管理學(xué)院;南京農(nóng)業(yè)大學(xué)金融學(xué)院;
【基金】：國(guó)家社科基金重大項(xiàng)目“環(huán)境保護(hù)、食品安全與農(nóng)業(yè)生產(chǎn)服務(wù)體系”(項(xiàng)目號(hào):11&ZD155) 國(guó)家自然科學(xué)基金青年項(xiàng)目“農(nóng)地制度對(duì)農(nóng)村信貸市場(chǎng)績(jī)效的影響及其政策選擇”(項(xiàng)目號(hào):71103132)的階段性成果
【分類(lèi)號(hào)】：F832.4;F249.2

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