摘要
从金融知识、金融能力、金融意识三个维度设计农民金融素养测度指标体系,引入创业培训,依据计划行为理论阐释创业培训调节作用下金融素养影响农民创业决策的理论逻辑,并采用陕西省908户农户调查数据,实证探究了农民金融素养的创业效应及创业培训对金融素养影响农民创业决策的调节作用。研究结果表明,农民金融素养具有创业效应,即金融素养水平的提高既可显著增加农民当前创业概率,也显著提升非创业农民未来创业倾向;金融知识对农民当前创业决策的影响程度依次大于金融意识和金融能力,而金融意识对非创业农民未来创业决策的影响程度依次大于金融知识和金融能力;且金融素养越高的农民越倾向于成为有雇员的创业者。研究还发现,创业培训在一定程度上增强了金融素养对农民创业决策的促进作用,但对两者关系的调节作用并不显著。据此提出通过多渠道提高农民金融素养水平、优化农民创业培训体系建设等提升农民创业发生率的政策建议。
This article builds an index system to measure farmers’ financial literacy from three dimensions, namely, financial knowledge, financial ability and financial awareness, introduces entrepreneurship training, and then establishes a theoretical frame to reveal how farmers’ financial literacy influence their entrepreneurial decision-making under the mediatory role of entrepreneurship training according to the theory of planned behavior. Empirically test the entrepreneurial effect of farmers’ financial literacy and the regulatory role of entrepreneurship training on the impact of farmers’ financial literacy on their entrepreneurial decision-making based on the survey data collected from 908 farm households in Shaanxi Province. The results show that farmers’ financial literacy has entrepreneurship promoting effect: an increase in financial literacy can significantly enhance the probability of farmers’ entrepreneurship activities or enhance farmers’ future entrepreneurial intention, and the impact of financial knowledge on farmers’ current entrepreneurial decision is larger than that of financial awareness and financial ability, while the impact of financial awareness on farmers’ future entrepreneurial decision is larger than financial knowledge and financial ability. Besides, farmers with higher financial literacy are more likely to be entrepreneurs with employees. This study also confirms that the impacts of financial literacy on current entrepreneurial decision of all farmers and future entrepreneurial decision of non-entrepreneurial farmers are larger for farmers who took part in entrepreneurship training than farmers who did not. However, the regulatory role of entrepreneurship training is not significant. Based on this, this paper puts forward policy recommendations to increase the incidence of farmer entrepreneurship through improving the level of farmers’ financial literacy and optimizing the training system on farmers’ entrepreneurship.
作者
苏岚岚
孔荣
SU Lan-lan;KONG Rong(College of Economics and Management, Northwest Agricultural & Forestry University, Yangling 712100, China)
出处
《华南农业大学学报（社会科学版）》
CSSCI
北大核心
2019年第3期53-66,共14页
Journal of South China Agricultural University(Social Science Edition)
基金
国家自然科学基金项目(71773094)
关键词
金融素养
创业效应
创业决策
创业培训
农民创业
financial literacy
entrepreneurship effect
entrepreneurship decision
entrepreneurship training
farmers’ entrepreneurship
