8949 
6039文章利用中国家庭跟踪调查（CFPS）2014年度数据，采用离散选择模型和两阶段最小二乘方法，从广度和深度两个方面研究了"互联网+"下包容性金融对家庭创业决策的影响。结果表明："互联网+"与包容性金融的融合发展将通过"信息流"融通"资金流"，降低家庭创业融资中的风险，增加其正规金融市场参与度，从而提升一般家庭的创业可能性，特别是对城市家庭、高收入家庭和受教育程度高的家庭的创业决策具有明显的促进作用；此外，"互联网+"与包容性金融的融合发展还将使家庭更积极地投身于机会型创业活动中。文章进一步检验了"互联网+"下包容性金融影响家庭创业决策的正规金融融资偏好渠道和风险偏好渠道的有效性，这对于在当下的"双创"工作中改善创业者的金融支持环境具有重要的意义。
“互联网+”下的包容性金融与家庭创业决策
摘要
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引用本文
湛泳, 徐乐. “互联网+”下的包容性金融与家庭创业决策[J]. 财经研究, 2017, 43(9): 62–75.
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