农村金融供给主体多样性对农户创业的影响——机制分析与实证检验  

Effect of the diversity of rural financial suppliers on rural households’ entrepreneurship——Mechanism analysis and empirical test

作　　者：沈红丽[1] 王天福 刘晓娟 汤玉瑶 王楠[1] 杨思远 SHEN Hong-li;WANG Tian-fu;LIU Xiao-juan;TANG Yu-yao;WANG Nan;YANG Si-yuan(School of Economics,Tianjin University of Commerce,Tianjin 300134,China)

机构地区：[1]天津商业大学经济学院

出　　处：《天津商业大学学报》2019年第6期40-46,共7页Journal of Tianjin University of Commerce

基　　金：2018年天津商业大学SRT计划项目“农村金融主体多样性支持农户创业的机理与成效研究”(201810069164)

摘　　要：首先分析农村金融供给主体多样性对农户创业的理论机制,然后运用问卷调查数据检验农村金融供给主体多样性对农户创业的影响。结果表明:各农村金融机构通过竞争机制、信息溢出机制、补充机制和风险分担机制促进农户创业。由于农户自身的金融知识及风险意识等影响,农村金融机构种类对农户创业的影响与理论预期相反;农村金融机构数量及熟人关系对农户创业的影响显著为正,说明金融机构之间的竞争机制缓解了农户创业融资约束难题,熟人关系解决了融资中的信息不对称问题。在此基础上,提出完善农村地区金融机构的市场准入,加强金融机构产品和服务创新等缓解农户创业融资约束的政策建议。This article analyzes the theoretical mechanism of effect of the diversity of rural financial suppliers on rural households’entrepreneurship,and uses the questionnaire survey data to test the effect of the diversity of rural financial suppliers on rural households’entrepreneurship.The results show that rural financial institutions promote rural households’entrepreneurship through competitive mechanism,information spillover mechanism,supplementary mechanism and risk sharing mechanism.Due to the rural households’lack of financial knowledge and risk awareness,the effect of the diversity of rural financial institutions on rural households’entrepreneurship is contrary to the theoretical expectation.The effect of the number of rural financial institutions and acquaintance relationship on rural households’entrepreneurship is significantly positive,indicating that the competitive mechanism among financial institutions alleviates the financing constraints of rural households’entrepreneurship and the acquaintance relationship solves the problem of information asymmetry in financing.Based on the above,it puts forward some suggestions for improving market access of financial institutions in rural areas and strengthening product and service innovation of financial institutions to alleviate financing constraints of rural households’entrepreneurship.

关 键 词：农村金融 供给主体 多样性 农户创业 融资约束 

分 类 号：F832.43[经济管理—金融学]