摘要
在经济社会转型发展背景下,农户创业已成为政府及社会的共识,农户创业对促进农户持续增收、优化农村经济结构具有重要意义。基于金融知识和正规信贷约束视角,利用宁夏、陕西和山东3省1123份农户调查数据,采用Probit模型和逐步回归法,分析金融知识对农户创业选择的影响,探讨正规信贷约束在金融知识与农户创业选择关系中的中介效应。结果表明,59.9%的农户选择创业即农户虽具有一定的创业意识和创业动机而选择创业,但因其金融知识水平低下,对贷款存在认知偏差,缺乏有效抵押物、担保人而受到金融排斥的问题凸显,严重阻碍了农户参与创业活动致使创业市场整体疲软。金融知识对农户创业选择具有显著正向影响,正规信贷约束具有显著负向影响。正规信贷约束在金融知识影响农户创业选择行为关系中发挥了中介作用,表明金融知识通过正规信贷约束的中介效应间接影响农户创业选择。据此,提出加大对农户金融知识普及力度、优化金融机构网点布局、充分发挥正规信贷约束的中介作用等政策建议。
Under the background of economic and social transformation and development,farmers’entrepreneurship has become the consensus of the government and society.Farmers’entrepreneurship is of great significance to promote farmers’continuous income increase and to optimize the rural economic structure.Based on a survey data of 1123 house-holds in Ningxia,Shaanxi and Shandong provinces,and from the perspectives of financial knowledge and formal credit constraints,this paper empirically analyzed the impacts of financial knowledge on farmers’entrepreneurial choices and the mediating effects of formal credit constraints on the relationship between financial knowledge and farmers’entrepreneurial choices by the Probit model and the stepwise regression method.Results show that 59.9%of farmers choose to participate in entrepreneurship,indicating that most of farmers have certain entrepreneurial awareness and entrepreneurial motives to start their own business.But these factors,including the low level of financial knowledge,the cognitive bias on loans,the lack of effective collateral and guarantors,and the problem of highlighted financial exclusion,seriously hinder farmers from participating in entrepreneurial activities and cause the overall weakness of the entrepreneurial market.In addition,financial knowledge has a significant positive impact on farmers’entrepreneurial choices,formal credit constraints have significant negative impacts,and formal credit constraints play a mediating role in the relationship between financial knowledge and farmers’entrepreneurial choice behaviors.In summary,this paperprovides the following policy recommendations:to increase the popularity of financial knowledge for farmers,to optimizethe distribution of financial institutions,and to give a full play to the intermediary role of formal credit constraints.
作者
张畑
刘正阳
孔荣
ZHANG Tian;LIU Zheng-yang;KONG Rong(College of Economics and Management,Northwest A&F University,Yangling,Shaanxi 712100,China)
出处
《农业现代化研究》
CSCD
北大核心
2020年第3期464-473,共10页
Research of Agricultural Modernization
基金
国家自然科学基金项目(71773094)。
关键词
金融知识
正规信贷约束
农户创业选择
中介效应
PROBIT模型
financial knowledge
formal credit constraints
farmer entrepreneurship choice
mediation effect
the Probit model
