金融素养如何影响农民创业——基于信贷约束的分析  

How Financial Literacy Affects Farmers’Entrepreneurship:An Analysis Based on Credit Constraints

作　　者：秦江城 栾敬东[1] 陈澳 QIN Jiangcheng;LUAN Jingdong;CHEN Ao(College of Economics and Management,Anhui Agricultural University,Hefei 230036,China)

机构地区：[1]安徽农业大学经济管理学院,安徽合肥230036

出　　处：《云南农业大学学报（社会科学版）》2022年第5期98-108,共11页Journal of Yunnan Agricultural University(Social Science)

基　　金：中国工程院战略研究与咨询项目“安徽省乡村振兴发展战略研究”(2021-7)。

摘　　要：本文利用中国土地经济调查(CLES)数据,考察了金融素养对农民创业的影响,探究了其中的传导机制,并进行了异质性分析。研究发现,金融素养会促进农民创业。机制分析发现,金融素养降低了农民的非正规信贷约束和传统信贷约束,增加了创业资金的可得性,促进农民创业;金融素养强化了对社会资本的利用,亲友创业的“榜样”作用明显,增强了农民创业动力。异质性分析发现,在农业创业和非农创业决中,金融素养虽然降低了农民的数字信贷约束,但传统信贷仍然是创业者的主要信贷选择;金融素养的提升对中低教育程度农民的创业效应更加明显。本文从信贷约束和社会资本探讨金融素养对创业决策的传导机制,是对现有农民创业研究的完善与补充。Using data from the China Land Economic Survey(CLES),this paper examines the impact of financial literacy on farmers’entrepreneurship,explores the transmission mechanisms involved,and conducts a heterogeneity analysis.The study finds that financial literacy promotes farmers’entrepreneurship.The mechanism analysis found that financial literacy reduced farmers’informal and traditional credit constraints,increased the availability of entrepreneurial funds,and promoted farmers’entrepreneurship;financial literacy enhanced the use of social capital,and the role of“role models”of friends and relatives in entrepreneurship enhanced farmers’entrepreneurial motivation.Heterogeneity analysis reveals that among agricultural and non-farm entrepreneurship decisions,although financial literacy reduces farmers’digital credit constraints,traditional credit is still the main credit option for entrepreneurs;the effect of financial literacy enhancement on entrepreneurship is more pronounced for farmers with low and medium education levels.This paper explores the transmission mechanism of financial literacy on entrepreneurial decisions in terms of credit constraints and social capital,which is a refinement and complement to the existing studies on farmers’entrepreneurship.

关 键 词：金融素养 信贷约束 社会资本 农民创业 

分 类 号：F830.58[经济管理—金融学]