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金融多样性会提高个体创业获取资金的可能性,对创业活动具有关键作用。以2006年、2008年和2010年中国社会综合调查(CGSS)经验数据为样本,实证考察金融多样性对于个人创业活动的影响,可以发现中国金融多样性的上升显著提升了个人创业的概率。同时,金融规模扩张对个人创业概率的影响则呈现先上升后下降的倒“U”型。进一步分地区研究还发现,金融结构的优化可能远比金融规模的扩张更为重要。
Financial diversity will increase the possibility of individual entrepreneurship access to funds, and play a key role in entrepreneurship. Based on the empirical data of China’s Social Comprehensive Survey (CGSS) in 2006, 2008 and 2010, the empirical study examines the impact of financial diversity on individual entrepreneurial activities. We can see that the rise of China’s financial diversity significantly increases the probability of individual entrepreneurship. At the same time, the impact of the expansion of financial scale on the probability of individual entrepreneurship is the first to rise and then fall. Further sub-regional studies also found that the optimization of the financial structure may be far more important than the expansion of the financial scale.