秘书 ›› 2023, Vol. 41 ›› Issue (6): 48-57.

• 人力资源管理 • 上一篇    下一篇

再论企业家受教育水平及其融资能力——基于概率分布理论框架的优化分析

罗薇,吕明霞   

  1. 上海大学
  • 出版日期:2023-11-15 发布日期:2023-11-29
  • 作者简介:罗薇,上海大学经济学院硕士研究生。研究方向:经济学。吕明霞(通讯作者),博士,上海大学高等教育研究所副研究员,硕士生导师。研究方向:教育经济学、高等教育国际化。
  • 基金资助:
    中国高等教育学会2023 年度高等教育科学研究规划课题重点项目“教育数学与创新人才培养研究”(23SX0205),2022年度上海市教育科学研究项目“国际合作办学模式创新研究”(C2022375)

The Education Level of Entrepreneurs and Their Financing Ability:An  Optimum  Analytical Model

LUO  Wei,LV  Mingxia   

  • Online:2023-11-15 Published:2023-11-29

摘要:

当前,我国中小企业发展面临较多困难和较大压力。本文基于概率分布的理论框架进行优化分析,模拟企业家与融资机构之间的双向选择关系,并深入探究企业家受教育水平与企业融资决策效用的非线性关系,发现受教育程度达到一定水平能够使融资决策效用最大化,但行为决策不可太过冒险,且融资决策效用受到风险偏好、机构放贷限额和贷款利率的制约。通过实证分析检验了企业家受教育水平越高越能提高企业融资能力这一正向作用,在此基础上对改善企业经营发展状况给出参考建议,为缓解企业融资难问题提供思路。

关键词: 企业融资, 信贷融资, 优化理论

Abstract:

At present,small and medium-sized enterprises are facing more difficulties and greater pressure. This paper aims to study the  relationship between entrepreneurs’education level and enterprises’financing  decision utility,conduct optimization analysis based on the theoretical framework of probability distribution,simulate the two-way selection relationship between entrepreneurs and financing institutions,and deeply analyze  the nonlinear relationship between entrepreneurs’education level and enterprises’financing decision utility. It is found that a certain level of education can maximize the utility of  financing decision,but behavioral decision  should not be too risky,and the utility of  financing decision is restricted by risk preference,institutional lending limit and loan interest rate. This paper empirically tests that a higher level of education can promote the positive  effect of financing capability,provides reference suggestions for improving the situation of enterprise operation  and solutions to alleviate the problem of enterprise financing difficulties.

Key words: enterprise financing, credit financing, theory of optimization