Oszczędności i kredyty w kształtowaniu przedsiębiorczości

• Autorzy: Aleksandra Gaweł

Warianty tytułu

Sawing and Credits in Moulding Enterpreneurship

• Języki publikacji: PL

Abstrakty

Celem artykułu jest ocena oddziaływania barier finansowych na przedsiębiorczość, przy wykorzystaniu modelu wyboru zajęcia zawodowego na przykładzie polskiej gospodarki w latach 1996-2004. Przyjęto założenie badawcze wskazujące na to, że wysokość oszczędności i kredytów gospodarstw domowych i przedsiębiorstw w sektorze bankowym stanowią determinantę przedsiębiorczości, przy czym zależność ta ma charakter odwrotnie proporcjonalny. Weryfikacja hipotezy badawczej nastąpiła poprzez nalizę ekonometryczną zależności między badanymi zmiennymi, w szczególności poprzez zastosowanie przyczynowości Grangera i analizy funkcji regresji. (fragment tekstu)

EN

Access to financial capital is treated as one of determinants of entrepreneurial activity. A person who has access to financial capital becomes an entrepreneur, whereas a person without such access becomes a paid worker. The aim of article is to estimate the influence of liquidity constrains on entrepreneurship, especially the level of savings and credits of households and firms in bank sector. Based on empirical data concerning the Polish economy, a negative relationship between the rate of savings and the rate of entrepreneurship was confirmed. A growing rate of savings causes the withdrawal of financial capital from entrepreneurial activity and in consequence - the decrease of the rate of entrepreneurship. The relations between the rate of credits and the rate of entrepreneurship are not so unambiguous, but it seems that the necessity to incur a credit, causing the increase of costs and the decrease of entrepreneurial profits, discourages from entrepreneurship. The results of empirical analysis seem to confirm legitimacy of the view that access to financial capital is one of the determinants which influence entrepreneurship. (original abstract)

Słowa kluczowe

PL

Gospodarka; Teoria ekonomii; Płynność finansowa

EN

Economy; Economic theory; Financial liquidity

• Czasopismo: Zeszyty Naukowe / Akademia Ekonomiczna w Poznaniu
• Rocznik: 2007
• Numer: nr 94
• Strony: 24--40

Twórcy

autor

Aleksandra Gaweł

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