CAJ | 학술논문

基于中国家庭金融调查与研究中心（ CHFS）2013年全国调查数据，实证分析了以教育年限、金融知识与健康等因素衡量的人力资本对城乡家庭创业的影响。研究发现，人力资本对创业的影响在城乡家庭间存在一定差异：农村家庭受访者的教育年限越高，其家庭进行创业的概率增加值越大，而城镇家庭却非如此；在受访者金融知识水平相近的情况下，农村家庭进行创业的概率比城镇家庭更大。研究还发现在农村家庭与城镇家庭的受访者均受过职业教育的情况下，农村家庭进行创业的概率更大。无论是城镇还是农村，风险偏好型、具有宗教信仰的受访者所在家庭创业的概率更大，“本社区银行营业网点的数量”与家庭创业的概率呈正向关系，而农业生产经营则会对家庭创业产生“挤出效应”。
기우중국가정금융조사여연구중심（ CHFS）2013년전국조사수거，실증분석료이교육년한、금융지식여건강등인소형량적인력자본대성향가정창업적영향。연구발현，인력자본대창업적영향재성향가정간존재일정차이：농촌가정수방자적교육년한월고，기가정진행창업적개솔증가치월대，이성진가정각비여차；재수방자금융지식수평상근적정황하，농촌가정진행창업적개솔비성진가정경대。연구환발현재농촌가정여성진가정적수방자균수과직업교육적정황하，농촌가정진행창업적개솔경대。무론시성진환시농촌，풍험편호형、구유종교신앙적수방자소재가정창업적개솔경대，“본사구은행영업망점적수량”여가정창업적개솔정정향관계，이농업생산경영칙회대가정창업산생“제출효응”。
Based on the nationwide household survey data by CHFS in 2013 , this paper made an empirical analysis of the impact of the human capital on the entrepreneurship in urban households and rural households?The study found there are some differences impact of human capital on urban and rural households entrepreneurship: the respondents have more years of education in rural households, the higher probability of their families made entrepreneurship; while the urban households are not so?In the case of the respondents had similar levels of financial literacy, the probability of entrepreneurship in rural households is higher than urban households?Replaced years of education with vocational education, we found that the respondents both subjected to the vocational education of rural households and urban households, the rural households tend to be more entrepreneurial?Whether urban or rural areas, the households with the respondents who are risk?loving or have religious belief are more inclined to begin a business, there is a positive relationship between the number of bank branches and the probability of family business, agricultural production and management would extrude the households entrepreneurship.