Under the circumstances of new situation and new finance,new contradictions and problems arise accompanied by innovation and entrepreneurship,which make it necessary to explore the impact on household entrepreneurship of mainstream and non-mainstream finance from the new perspective of financial inclusion.Binary response models reveal inducing factors and their marginal roles to agriculture and business entrepreneurship,whereas multinomial response model gives us a clear picture of incentives of each start-up and main factors affecting each initiative.The empirical analysis shows that,"no other choice","making fortune","entrepreneurship drive","freedom & flexible" and other causes of entrepreneurial responses' to various explanatory variables are different. Key variables,household characteristics and regional characteristic variables result in different regression coefficients and relative risk ratios. Studies have shown that mainstream finance has a leading role and significant contributions to household entrepreneurship. Under the new financial situation,the rise of Internet finance inducing non-mainstream finance is playing a part in business establishment. Our main goal is to realize coexistence of mainstream and non-mainstream financial systems in mutual-benefit ecological environment. According to different regions,industries,entrepreneurial preferences and incentives,different schemes should be made and the relative supporting measures should be taken.