中文摘要：

通过建立职业选择模型，本文研究了金融发展对企业家精神的影响。金融约束会阻碍企业的建立进而减少社会的工作岗位和劳动力需求。在这种机制下，金融发展改变了个体职业动机和职业匹配方式，使个体更加趋向于自我雇佣。本文整合了CHIP、CHNS、CGSS和CULS调查数据进行经验分析，结果验证了职业选择模型，同时也发现了新的结论。金融发展程度越高的地区，个人选择成为私营企业主的概率越高，不过金融发展对于个体户主的影响为负。这是由于在这两种自我雇佣状态下，社会地位和效用影响不同所造成的。本文进一步证实了私营企业主在金融发展程度较高的地区会享有比雇员更高的效用。从提升企业家精神的角度说明了构建一个有效金融系统的重要性。

英文摘要：

This paper sets up a career choice model to study the influence of financial development on entrepreneurship. Financial constraints would prevent the establishment of enterprises and reduce wage jobs and the demand for labors. Under this mechanism, the financial development changes the individual career motive and matching, thus increases the effect of entrepreneurship. Using survey data of CHIP, CHNS, CGSS and CULS, this paper carries out an empirical analysis and the results verify the conclusion of the theoretical model. In the higher financial development areas, the probability of people tends to be entrepreneurs are higher. However, the impact of financial development for the self - employed with no employer is negative. This is the result of different social status and utility in both self - employment statuses. That is, entrepreneurs will enjoy higher utility than employees in areas with a higher degree of financial development. This paper illustrates the importance of building an effective financial system from the perspective of enhancing entrepreneurship.