金融素养改善能够有效提升大学生创业意愿吗?——来自全国高校调查的经验证据  

Does Improving Financial Literacy Increase Students’Entrepreneurial Intentions?Empirical Evidence from a National Survey of Colleges and Universities

作　　者：段龙龙 王克舰 汪琦钧 Duan Longlong;Wang Kejian;Wang Qijun(School of Economics,Sichuan University,Chengdu 610051,China)

机构地区：[1]四川大学经济学院,成都610051

出　　处：《创新与创业管理》2023年第2期127-154,共28页Management of Innovation and Entrepreneurship

基　　金：国家社会科学基金项目“新时代建设现代化经济体系的理论依据及指标体系构建研究”(18KXS009);四川大学中央高校基本科研业务费项目“统筹发展与安全视域下数字经济发展影响地方政府规模变动的机制与实证研究”(23XDJJ02)。

摘　　要：基于1219份全国高校大学生调查问卷,利用最优尺度诊断、客观权重赋权法(criteria importance though intercrieria correlation,CRITIC)和Logistic模型,深入探讨了金融素养变化对大学生创业意愿的影响。研究发现:金融素养提高能够显著增强大学生的创业意愿,大学生对自身金融素养与能力的重视对促进双创具有重大意义;大学生金融素养水平对创业意愿的影响存在明显的性别、区域和外部条件异质性;与男性大学生相比,女性大学生金融素养的提高对创业概率增加的边际效应更好,中部地区大学生的金融素养提高对改善创业意愿的贡献显著强于西部地区和东部地区;金融素养提高情形下,外部资金缺口的缓解能够迅速发挥促进创业的提振作用,实施稳健性检验之后的结论依然成立。Based on the 1219 questionnaires from college students nationwide,this paper explores the impact of financial literacy on college students’entrepreneurial willingness with the help of optimal scale diagnosis,CRITIC empowerment method and Logistic model.The study finds that:improved financial literacy can significantly enhance the entrepreneurial willingness of college students,and college students’attention to their own financial literacy and ability is of great significance in promoting dual-creation;the impact of college students’financial literacy level on entrepreneurial willingness has obvious heterogeneity in terms of gender,region and external conditions;compared with male college students,female college students’financial literacy has a better marginal effect on increasing the probability of entrepreneurship,and college students’financial literacy in the central region contributes significantly more to improving entrepreneurial willingness than those in the western and eastern regions;the alleviation of external funding gap in the case of financial literacy can quickly play a role in promoting entrepreneurship,and the conclusions are still valid after the implementation of the robustness test.

关 键 词：金融素养 创业意愿 大学生 LOGISTIC模型 

分 类 号：F062.4[经济管理—政治经济学] F832.0