论文部分内容阅读
农户创业是形成农村经济内生增长动力的有效路径,研究创业农户的借贷行为是农户创业金融扶持政策形成的基础。利用中国14省(区)1 524个农户的微观调查数据分析了农户创业禀赋、外部环境对农户创业借贷行为的影响。研究发现:拥有更多创业资源禀赋如人力资本、耕地资源、创业经历、创业资本的农户更不倾向于产生借贷行为,外部环境支持使农户更倾向于产生借贷行为。研究结果为制定农户创业的相关支持政策,尤其是金融支持政策提供了重要依据。
Farmer entrepreneurship is an effective way to form the endogenous growth impetus of rural economy. Studying the loan behavior of pioneer farmers is the basis for the formation of peasant household financial support policies. Based on the micro-survey data of 1 524 farmer households in 14 provinces (autonomous regions) of China, this paper analyzes the impact of farmer’s entrepreneurial endowment and external environment on entrepreneurial lending behavior. The study found that: Farmers with more entrepreneurial resource endowments, such as human capital, cultivated land resources, entrepreneurial experiences and entrepreneurial capital, are less prone to borrowing, and external environment support makes farmers more prone to borrowing. The results provide an important basis for formulating supporting policies for peasant entrepreneurship, especially financial support policies.