Abstract: Zheshang (Zhejiang Entrepreneurs) is China's most influential business groups based on the same cultural background, and the Zhejiang’s strength of private economy stands at the first place in China. However, Zhejiangese’s education levels show sharp contrast to the power of Zhejiang’s private economy. Zheshang’s education level falls behind the mean level of the national private business owners. This article argues that Zheshang’s special endowment forms are the source of their "entrepreneurial capacity", and the non-coding information is also one of the features among Zheshang. Zheshang's performance is of reciprocal causation with local knowledge traditions, geographical and cultural values, and the distribution of cluster of industries in Zhejiang.

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摘要： 浙商是中国最具影响力的基于相同文化背景的创业群体，浙江省民营经济综合实力居全国第一。但浙江省人口受教育程度的各项指标均排在前十名以外，与浙江经济的活力实力形成鲜明反差，浙商群体的受教育水平亦落后于全国私营企业主平均水平。本文认为，浙商的“企业家能力”有其特殊的禀赋形态，浙商有着非编码知识优势以及创业知识易流动特征；同时，拥有在不确定情形下的强行动力和高效率的小数据决策模式。这些浙商的特征与浙江深厚的地方性工商业知识、集束化的产业分布以及地域文化价值观互为因果激励。不过，浙商低学历创业优势具有阶段匹配性。在新的历史时期，人口受教育程度在全国处于中下水平的浙商群体要继续保持竞争优势，需要在学习机制、知识结构、决策模式等方面进行有机更新。

关键词: 人口素质, 浙商, 民营企业, 企业家禀赋, 非编码知识