CAJ | 학술논문

“大众创业、万众创新”将成为经济新常态下的新引擎，但信贷可得性低却是许多创业者或有创业意愿的个体面临的重要约束。城镇家庭的信贷约束对创业意愿和创业绩效实证分析表明，民间借贷能够有效缓解城镇家庭的流动性约束，促进家庭创业的积极性，但是在经营业绩方面，民间借贷却由于利率等因素，不利于创业后的发展，对营业收入具有负向的作用。因此，我国应该在发展正规金融市场的同时规范民间金融市场，促进我国城乡居民的创业积极性。
“대음창업、만음창신”장성위경제신상태하적신인경，단신대가득성저각시허다창업자혹유창업의원적개체면림적중요약속。성진가정적신대약속대창업의원화창업적효실증분석표명，민간차대능구유효완해성진가정적류동성약속，촉진가정창업적적겁성，단시재경영업적방면，민간차대각유우리솔등인소，불리우창업후적발전，대영업수입구유부향적작용。인차，아국응해재발전정규금융시장적동시규범민간금융시장，촉진아국성향거민적창업적겁성。
“Entrepreneurship and Innovation”has become the new engine of the new economic normality.But low credit availability is the important constraint of many entrepreneurs and those who are willing to open their own business.The empirical analysis on credit constraints and urban households’business establishment shows that private lending can effectively alleviate the liquid-ity constraints of urban families,therefore promote family entrepreneurial enthusiasm.Howev-er,in terms of operating performance,due to factors such as interest rate,private lending is not conducive to the development of entrepreneurship after establishment,which has adverse effect to the operating income.China’s private and formal financial market should be normalized to pro-mote the entrepreneurial enthusiasm.