摘要
本文利用中国家庭金融调查数据,从创业决策和创业绩效的角度,实证检验了金融知识对居民创业活动的影响及其传导机制。研究表明:(1)金融知识水平的提高显著促进了居民参与创业,且这一促进效应对东部和西部地区的农村居民更为明显;(2)金融知识并不能显著改善居民创业绩效,但可以通过改善正规渠道融资偏好和风险态度推动居民参与创业;(3)正规融资渠道偏好和风险态度在金融知识影响创业决策的过程中起部分中介作用,在影响创业绩效的过程中仅风险态度起中介作用。政府应高度重视普及金融知识,缩小城乡居民金融知识水平差距,这有助于增强居民风险意识,激发民众创业活力,推动我国金融市场和城乡劳动力市场平稳运行。
This paper uses the data of Chinese Household Finance Survey to empirically test the impact of financial knowledge on family entrepreneurial behavior and its conduction mechanism from the perspective of entrepreneurial decision-making and entrepreneurial performance.The research shows that firstly the improvement of financial knowledge level significantly promotes residents to participate in entrepreneurship, and this promotion effect is more obvious for rural residents in the eastern and western regions. Secondly, financial knowledge does not significantly improve residents’ entrepreneurial performance, but it can promote residents’ participation in entrepreneurship by improving formal financing channel preferences and risk attitude. Lastly, both formal financing channel preference and risk attitude play an intermediary role in the process of financial knowledge affecting entrepreneurial decision-making, and only risk attitude plays an intermediary role in the process of affecting entrepreneurial performance.The policy implication of this paper is that the government should attach great importance to the popularization of financial knowledge and narrow the financial knowledge gap between urban and rural residents, which helps to enhance residents’ risk awareness, stimulate people’s entrepreneurial vitality, and promote the smooth operation of China’s financial market and urban as well as rural labor market.
作者
艾小青
郝龙华
李国正
AI Xiao-qing;HAO Long-hua;LI Guo-zheng(College of Economics and Management,Beijing University of Technology,Beijing 100124,China)
出处
《湖南科技大学学报（社会科学版）》
CSSCI
北大核心
2021年第2期71-79,共9页
Journal of Hunan University of Science and Technology(Social Science Edition)
基金
教育部人文社科基金(19YJA910001)
北京市社会科学基金(19YJA004)。
关键词
金融知识
创业决策
创业绩效
中介效应
城乡差异
financial knowledge
entrepreneurial decision-making
entrepreneurial performance
mediating effect
urban-rural difference
