金融素养对小微企业创业绩效的影响机制研究  

On the Influence Mechanism of Financial Literacy over the Entrepreneurship Performance of SMEs

作　　者：朱锐[1] 常运红 朱永 ZHU Rui;CHANG Yun-hong;ZHU Yong(School of Economics andManagement,Changsha University of Science and Technology,Changsha 410076,China;Xinhui Branch,Agricultural Development Bank of China,Jiangmen 529100,China;School of Business,Hunan University of Science and Technology,Xiangtan 411201,China)

机构地区：[1]长沙理工大学经济与管理学院,湖南长沙410076 [2]中国农业发展银行新会支行,广东江门529100 [3]湖南科技大学商学院,湖南湘潭411201

出　　处：《湖南科技大学学报（社会科学版）》2022年第3期110-121,共12页Journal of Hunan University of Science and Technology(Social Science Edition)

基　　金：国家自然科学青年基金(71801022);湖南省教育厅科研项目(21A0222,18B135)。

摘　　要：运用中国小微企业调查数据,实证检验了金融素养对小微企业创业绩效的影响及其作用机制,结果表明金融素养对小微企业创业绩效具有显著提升作用。进一步研究发现,金融素养可以通过改善小微企业主风险偏好提高创业绩效;此外,在金融市场化水平更低的地区,金融素养对于创业绩效的作用更显著。建议小微企业主加强金融知识学习、增强自身金融素养,相关部门和机构加大经济金融类培训和金融知识普及力度,加快金融市场化改革步伐。Using the survey data of Chinese SMEs,this paper empirically tests the impact of financial literacy on the entrepreneurial performance of SMEs and its mechanism.Results show that financial literacy has a significantly positive impact on the SMEs’entrepreneurial performance.Further research finds that financial literacy can improve the entrepreneurial performance mainly by improving the risk preferences of SMEs owners.In addition,financial literacy can improve the entrepreneurial performance more significantly in regions with lower financial marketization.It is recommended that SMEs owners strengthen their financial knowledge and enhance their financial literacy,and relevant departments and institutions should increase economic as well as financial training and popularization of financial knowledge,and accelerate the pace of financial market reform.

关 键 词：金融素养 创业绩效 风险偏好 正规信贷约束 金融市场化 

分 类 号：F83[经济管理—金融学]