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中文摘要：
文章基于全国私营企业调查数据分析了企业融资中的性别差异。研究发现企业主为女性的企业融资水平比男性大致低90%。在控制企业主性别以外的其他个人特征如年龄、教育程度以及企业特征和融资需求等因素后,企业主为女性的企业融资水平仍比男性约低42%,融资中的性别差异十分显著。研究结论的意义在于：政府的金融政策需要考虑企业主的性别因素,社会需要对企业主为女性的企业提供更多金融支持。
英文摘要：
The paper explores the relationship between entrepreneurs＇ gender and corporate finance in china.We find that on average the credit level from banks for woman business owners is approximately 90% lower than that for man business owners.By eliminating the influence of other individual characteristics of business owners such as age,education,business nature and financial demand,we find that the credit level for woman entrepreneurs is still 42% lower than that for man entrepreneurs.Thus,we propose that financial policies need considering gender differences,and financial institutes should provide more financial support for woman entrepreneurs.
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