基于CHFS的家庭创业与信贷约束实证研究  

An Empirical Research about Family Business and Credit Constraints based on CHFS

作　　者：刘艳[1] 马俊龙[2] 贾男[2] 

机构地区：[1]四川农业大学经济学院,成都611130 [2]西南财经大学经济学院,成都611130

出　　处：《四川师范大学学报（社会科学版）》2015年第5期83-89,共7页Journal of Sichuan Normal University(Social Sciences Edition)

基　　金：国家自然科学基金青年项目"大宗消费对中国家庭储蓄率的影响--基于跨期动态优化模型的结构估计和政策模拟"(项目批准号:71303189);教育部人文社会科学研究基金青年项目"中国家庭财富的代际转移与代间转移研究"(项目批准号:13YJC790056)

摘　　要："大众创业、万众创新"将成为经济新常态下的新引擎,但信贷可得性低却是许多创业者或有创业意愿的个体面临的重要约束。城镇家庭的信贷约束对创业意愿和创业绩效实证分析表明,民间借贷能够有效缓解城镇家庭的流动性约束,促进家庭创业的积极性,但是在经营业绩方面,民间借贷却由于利率等因素,不利于创业后的发展,对营业收入具有负向的作用。因此,我国应该在发展正规金融市场的同时规范民间金融市场,促进我国城乡居民的创业积极性。“Entrepreneurship and Innovation”has become the new engine of the new economic normality.But low credit availability is the important constraint of many entrepreneurs and those who are willing to open their own business.The empirical analysis on credit constraints and urban households’business establishment shows that private lending can effectively alleviate the liquidity constraints of urban families,therefore promote family entrepreneurial enthusiasm.However,in terms of operating performance,due to factors such as interest rate,private lending is not conducive to the development of entrepreneurship after establishment,which has adverse effect to the operating income.China’s private and formal financial market should be normalized to promote the entrepreneurial enthusiasm.

关 键 词：家庭创业 信贷约束 两部模型 

分 类 号：F832.479[经济管理—金融学]