大学生自主创业的金融支持

"以创业带动就业"是十八大提出的改善民生、推动就业的重要举措。针对就业的焦点:大学生就业的问题,本文阐述了大学生自主创业的现状,分析了大学生创业融资困难的原因,提出优化大学生自主创业的金融与财政政策的建议。     

浅议大学生利用微商创业的金融支持问题

近年来,随着移动互联网迅猛的发展,微商正在成为越来越多创业大学生的创业新选择、新趋势。一部分大学生以自身专业特长和微商相结合,进行创新型创业,但他们在微商创业过程中面临着资金约束。针对这一现象,本文着重探讨了对此类大学生微商创业者的金融支持问题。本文从自身、政府、银行、高校四个角度进行分析,认为政府加大扶持和督促落实政策;银行加大发放对大学生创业的贷款;高校开设创业教育课程、营造创业氛围,建立高校创业基金;自身完善财务管理、信用记录、运用众筹作为解决资金问题的方法。     

对吉安市金融支持返乡农民工就业创业的调查与思考

受国际金融危机影响,沿海地区部分企业出现经营困难,开工不足,加上春节等原因,相当数量的农民工陆续返乡,就业压力明显增加,给农村经济社会带来了许多新情况和新问题。金融业作为社会服务业,支持返乡农民工就业创业责任重大。但是,在金融服务上还存在不少困难和问题,值得关注。     

金融支持失地农民创业的制约因素与路径选择

失地农民是新时期城市化进程的特殊产物,他们进入城市后普遍面临如何实现长期持续发展的问题.推动失地农民创业是解决其生存和发展的有效途径,而创业离不开良好的融资环境和金融支持.我国当前的金融体系在金融政策、金融信贷、金融服务以及金融资源方面存在诸多不完善之处,制约了失地农民得到有效的金融服务和支持,需要从优化政策环境、完善贷款担保、提升服务质量、整合资源配置和加强知识普及等方面加以健全和完善,构建全方位、多层次的失地农民创业金融支持体系.     

江苏省大学生创业意愿现状调查研究

本文着重对江苏省大学生创业意愿进行分析,指出当代大学生创业所面临的根本问题。研究发现,较大的创业风险是影响大学生创业的最大阻力,而优秀创业项目的缺失以及政府对于大学生创业扶持政策的不完善也影响着大学生的创业。     

金融排斥对农民工创业意愿的影响分析

以对农民工创业意愿调查的结果为依据,分析了制约农民工创业的金融排斥现象。通过对调查对象的选择结果进行统计和分析,得出户籍与农民工创业风险是农民工受到地理排斥、评估排斥、条件排斥、价格排斥、营销排斥和自我排斥的主要原因。因此,可以通过改革农村土地金融制度,提高对农民工提供金融服务的金融机构的风险补偿水平及大力发展小额贷款公司等办法克服金融排斥现象。     

数字金融与创业高质量发展：来自中国的证据

推动创业高质量发展是我国经济高质量发展的重要动力。本文将中国数字普惠金融指数与中国家庭追踪调查数据(CFPS)相结合,在对创业高质量发展进行理论界定的基础上,从支付业务和信贷业务两方面出发,全面分析了数字金融对创业高质量发展的影响及作用机制。研究发现,数字金融促进了个体创业,也推动了创业的高质量发展,该结论在考虑了内生性问题后依旧稳健。从机制上看,一方面,支付业务的发展通过促进消费数字化,扩大了企业的潜在市场规模;另一方面,信贷业务的发展通过补充和支持传统金融业务,缓解了传统信贷约束,扩大了企业的生产规模。这两方面的业务发展,增加了企业对高技能人才的需求,促进了技术进步,最终有助于创业的高质量发展。最后,本文还从政府的支持性政策方面探讨了保障数字金融推动创业高质量发展的外部条件。根据本文的研究,引导数字金融健康有序发展,充分发挥支付业务和信贷业务的作用,是贯彻党的二十大精神,促进数字经济和实体经济深度融合,推动创业高质量发展,实现中国式现代化的重要途径。     

金融支持“大学生村官”创业富民情况的调查

党的十七届三中全会、中央经济工作会议、中央农村工作会议和十一届二次人大、政协“两会”对“扩内需、保增长、促发展”提出了要求。开展支持农村青年（大学生村官）创业就业就是落实《国务院办公厅关于当前金融促进经济发展的若干意见》,为了进一步积极应对当前农村经济金融形势,更好地帮助和扶持农村青年,特别是到村任职大学生村干部创业,推动新农村建设。人民银行调查组深入永吉县及部分乡（镇）、村、组就“大学生村官”创业现状进行了调查。调查显示：“大学生村官”创业热情高涨,创业总体环境较优,但创业资金紧缺,急需金融机构大力支持。     

浅析普惠金融对推动大学生创业的影响

本文通过介绍我国普惠金融发展和大学生创业的现状,分析普惠金融如何助推大学生创业,引出当前普惠金融与大学生创业结合所存在的问题并提出相应的对策和建议,旨在将基于互联网技术的普惠金融应用于大学生创业领域,缓解大学生创业融资难的问题,使其更好地为大学生创业服务。     

金融发展与企业家精神:基于中国省级面板数据的实证检验

金融核心的功能就在于遴选出最具创新精神的企业家,并通过支持企业家的创新和创业活动,进而增加就业、提高效率以实现经济增长。通过构建相关的理论模型,并利用中国1999～2008年的省份数据对金融发展与企业家精神实证分析得出,金融只有支持具有创新精神的企业家,才能有效地促进人均收入水平的提高和创造更多的就业机会,并能有效改善收入分配状况。因此,中国下一步金融改革的突破口应该是构建有利于培育和支持企业家进行创新活动的金融体系。     

Excessive Financial Support,Real Estate Development and Macroeconomic Growth: Evidence from China

ABSTRACT

Using monthly panel data for China’s 30 provinces from 2007 to 2017, this article analyzes how level of financial support affects the interplay between real estate development and macroeconomic growth. Based on a threshold model, the results suggest that housing price increases substantially impede economic growth, but there is no significant threshold effect for the sample as a whole. On investigating regional cross-sectional variations, we found that local economic situation clearly impacts on this effect, with significant threshold effects detected in subsamples. While housing price may have positive influences on economic growth in the mid-west subgroup with appropriate financial support, more developed regions returned contrary results.     

Risk Awareness of Interpersonal Trust and Entrepreneurship in China: Evidence from Survey Data

This paper aims to build a theoretical framework for the influence of risk awareness of interpersonal trust (RAIT) on entrepreneurship, and explores the influence of RAIT on entrepreneurship with the micro survey data from the Chinese General Social Survey (CGSS) 2010–2013. The study found that, individuals with higher level of RAIT, their probability of starting new business will increase significantly, and with every increase of RAIT level, the probability of business venturing increase almost 4.0%. No mediation effects of information screening and cooperative mechanism are found in the relationship between RAIT and entrepreneurship. Moreover, during the venturing process, risks accompanying interpersonal trust cannot be reduced by social input; the reduction occurs only in eastern China where the economic system and the industrial development standards are more comprehensive and mature. This paper contributes to the literatures in the following two areas: it provides new evidence on how to deal with risks in the entrepreneurship process that accompanying interpersonal trust; meanwhile, it provides an explanatory mechanism on how the risk awareness affects business venturing.     

Financial Intermediation and Economic Growth in China: New Evidence from Panel Data

In this article, we investigate the relationship between financial intermediation and economic growth in China by employing system Generalized Method of Moments (GMM) estimators for dynamic panel data from twenty-eight Chinese provinces over the period 1978–2008. Our empirical results show that various measures of financial development are generally associated with economic growth. More specifically, the size and depth of the financial sector significantly influence economic growth. However, household saving is found to have a negative, but insignificant, effect on economic growth. Finally, we find that although several control variables show the expected signs, they are not always statistically significant. Human capital, openness to trade, and inflation positively influence economic growth.     

金融中介发展、企业家精神与区域经济增长——基于省级面板数据的实证研究

本文利用1999--2010年我国30个省市的面板数据,对金融中介、企业家精神和区域经济增长之间的关系进行了实证研究。实证结果显示：金融中介发展尤其是效率的提高,对经济增长有直接的推动作用,但其增长效应存在地区差异;企业家精神能够促进经济增长,但企业家创新精神的经济增长效应远低于创业精神的经济增长效应;金融中介发展主要通过支持企业家创业活动促进经济增长。     

Financial Development and Total Factor Productivity Growth: Evidence from China

Abstract

In this article, we estimate the effect of China’s regional financial development on total factor productivity (TFP) growth using large provincial panel data for the years 1990 to 2009. Using the nonparametric stochastic frontier data envelopment approach, we analyze how financial development is related to efficiency improvement and technological progress, the two components of TFP. The study shows that Chinese financial development plays a significant role in promoting TFP growth via technological progress rather than efficiency change. The faster the financial development takes place, the better it could correct the mismatch of resource allocation, thus promoting TFP growth. The results imply that China needs to both further optimize the allocation of financial resources and perfect the regional financial system.     

海洋经济可持续发展及金融支持问题研究

烟台市是最早开放的沿海城市之一,实现海洋经济的可持续发展是带动社会经济持续发展的现实需要,也是更好地服务胶东半岛城市群、山东省"一体两翼"乃至全国经济发展的战略需要.本文从海洋经济理论研究的一般状况出发,研究分析了烟台市海洋经济发展现状和金融支持情况,并对其可持续发展提出具体对策和建议.     

Intra-Provincial Financial Disparity,Economic Disparity,and Regional Development in China: Evidence from Prefecture-Level City Data

The uneven spatial distribution of economic and financial activities in China has long been a concern of both researchers and policy makers. While most previous research focuses on China’s regional disparities measured using provincial data, this article investigates intra-provincial disparities which reflect the dispersion among cities within a given province. Using data on 282 prefecture-level cities in 25 provinces from 2003 to 2012, the relationship between economic disparity and financial disparity is investigated, after which the effects of the intra-provincial disparities on provincial economic growth are examined. It is found that intra-provincial financial disparity and economic disparity are positively correlated. The results also show that intra-provincial economic disparity has no effect on provincial economic growth. The intra-provincial financial disparity, however, has a negative effect on the local economic growth rate. Therefore, developing financial inclusion and narrowing financial disparity are important measures to maintain sustainable and inclusive economic growth.     

金融素养、家庭财富与家庭创业决策

本文利用2015年中国家庭金融调查(CHFS)数据,分析了金融素养、家庭财富与家庭创业决策三者之间的关系。整体上,金融素养的提高显著增加了家庭参与创业的可能性,但家庭参与创业面临着财富约束效应;而金融素养对家庭财富具有替代作用,提高金融素养有效缓解了家庭的财富约束效应,促进家庭参与创业。同时,研究发现家庭财富对家庭创业决策的影响并不存在明显的城乡差异,但金融素养更能缓解农村家庭创业所面临的财富约束效应。另外,提高金融素养能有效缓解家庭的信贷约束,增加其风险偏好,间接地促进创业。     

Financial Structure and Income Inequality: Evidence from China

This study investigates the relationship between financial structure and income inequality in China and explores a channel for changes of financial structure to influence income inequality. Our results suggest that, relative to total bank credit, an increase in the raised capital from the stock market reduces income inequality, whereas a rise of turnover in the stock market augments income inequality. Financial structure affects income inequality by influencing the development of medium-sized enterprises. Our evidence supports the financial structure relevancy view. To reduce income inequality, the Chinese government should help to promote equity financing and decrease excessive speculation on the stock market.