本文選題：農(nóng)民工 + 返鄉(xiāng)創(chuàng)業(yè)�。� 參考：《重慶師范大學(xué)》2012年碩士論文

【摘要】：農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)是農(nóng)村勞動(dòng)力與城市雙向流動(dòng)發(fā)展的必然產(chǎn)物，是勞動(dòng)力要素資源重新優(yōu)化配置的結(jié)果；農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)是加快我國(guó)農(nóng)村地區(qū)發(fā)展、統(tǒng)籌城鄉(xiāng)勞動(dòng)力、加強(qiáng)城鄉(xiāng)互動(dòng)、促進(jìn)城鄉(xiāng)統(tǒng)籌的重要路徑。2009年的中央一號(hào)文件中也明確規(guī)定“大力支持農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)和投身新農(nóng)村建設(shè)，抓緊制定扶持農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)的具體政策措施，引導(dǎo)掌握了一定技能、積累了一定資金的農(nóng)民工創(chuàng)業(yè)，以創(chuàng)業(yè)帶動(dòng)就業(yè)”。隨著我國(guó)東部地區(qū)勞動(dòng)密集型產(chǎn)業(yè)向中西部地區(qū)梯度轉(zhuǎn)移以及國(guó)家對(duì)農(nóng)民培訓(xùn)和農(nóng)業(yè)農(nóng)村發(fā)展支持力度的加大，農(nóng)民工創(chuàng)業(yè)條件日漸成熟。但是，農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)不僅僅是表面上的個(gè)人行為，實(shí)質(zhì)上是一系列復(fù)雜的問(wèn)題和矛盾作用導(dǎo)致，這里邊有制度因素，又有社會(huì)背景；既有家庭問(wèn)題，也有經(jīng)濟(jì)因素。因此，做好農(nóng)民特別是農(nóng)民工創(chuàng)業(yè)就業(yè)工作，不僅關(guān)系到“三農(nóng)”問(wèn)題的解決，而且關(guān)系到城鄉(xiāng)統(tǒng)籌和“三化”同步發(fā)展，關(guān)系到社會(huì)和諧穩(wěn)定，，關(guān)系到全面建設(shè)小康社會(huì)和現(xiàn)代化事業(yè)的全局。 本文從農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)原因、理論機(jī)理和創(chuàng)業(yè)現(xiàn)狀等角度分析了我國(guó)農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)背景，從農(nóng)村金融組織現(xiàn)體系及其演變歷程、供需等角度分析了農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)的金融需求特點(diǎn)和融資渠道現(xiàn)狀；從政策環(huán)境、農(nóng)民工自身?xiàng)l件、金融服務(wù)體系三個(gè)方面，分析得出目前農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)金融支持主要存在創(chuàng)業(yè)環(huán)境較差、扶持政策不足、金融宣傳不夠，農(nóng)民工自身資產(chǎn)匱乏、創(chuàng)業(yè)成功率低，農(nóng)村金融產(chǎn)品單一、金融服務(wù)不到位等問(wèn)題，造成上述問(wèn)題的原因可以歸結(jié)為返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)自身能力制約較大、政策宣傳不夠、農(nóng)村金融創(chuàng)新不夠等三個(gè)方面；繼而，文章從總體政策背景、創(chuàng)業(yè)個(gè)體和金融機(jī)構(gòu)三個(gè)層面分別選取全國(guó)農(nóng)民工創(chuàng)業(yè)示范基地的四川金堂縣、重慶永川云霧山變綠色銀行、農(nóng)業(yè)發(fā)展銀行金融支持案例進(jìn)行實(shí)證分析，總結(jié)其中有代表性的成果經(jīng)驗(yàn)；最后，結(jié)合返鄉(xiāng)農(nóng)民工金融支持存在的問(wèn)題及原因，借鑒案例實(shí)證經(jīng)驗(yàn)，針對(duì)政策環(huán)境、農(nóng)民工自身?xiàng)l件、農(nóng)村金融體系、農(nóng)村金融創(chuàng)新以及宣傳教育等層面提出如下建議：一是通過(guò)優(yōu)化創(chuàng)業(yè)環(huán)境、整合創(chuàng)業(yè)政策和加大財(cái)政和金融支持，營(yíng)造返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)的政策環(huán)境；二是通過(guò)豐富農(nóng)民工金融知識(shí)、強(qiáng)化創(chuàng)業(yè)培訓(xùn)和調(diào)動(dòng)創(chuàng)業(yè)動(dòng)力，提高返鄉(xiāng)農(nóng)民工自身創(chuàng)業(yè)能力；三是通過(guò)健全多元化金融體系、增強(qiáng)授信、構(gòu)建農(nóng)村信用環(huán)境等手段，健全農(nóng)村金融服務(wù)體系；四是通過(guò)金融機(jī)構(gòu)、金融產(chǎn)品、信用擔(dān)保、風(fēng)險(xiǎn)控制等方面的創(chuàng)新，推進(jìn)農(nóng)村金融的整體創(chuàng)新；五是強(qiáng)化農(nóng)村金融政策知識(shí)宣傳。
[Abstract]:It is the inevitable outcome of the two-way development of rural labor force and urban mobility, and the result of the re-allocation of labor factor resources, which is to accelerate the development of rural areas and coordinate the urban and rural labor force.Strengthen the interaction between urban and rural areas, and promote the important path of urban and rural planning. The 2009 document No. 1 of the Central Committee also clearly stipulates that "vigorously support migrant workers to return to their hometown to start their own businesses and join in the construction of new rural areas, and pay close attention to formulating specific policies and measures to support migrant workers returning to their hometowns toGuide to master a certain skills, accumulated a certain amount of capital migrant workers to start businesses to promote employment.With the gradient transfer of labor-intensive industries in eastern China to the central and western regions, and the increasing support for farmers' training and agricultural rural development, the conditions for migrant workers to start businesses are becoming more and more mature.However, the return of migrant workers to start a business is not only a superficial personal behavior, in essence is a series of complex problems and contradictions, which has institutional factors, but also social background; there are family problems, but also economic factors.Therefore, to do a good job for farmers, especially migrant workers, is not only related to the solution of the "three rural issues", but also related to the coordinated development of urban and rural areas and the "three modernizations", as well as the social harmony and stability.It is related to the overall situation of building a well-off society and modernization in an all-round way.This paper analyzes the background of rural migrant workers returning to their hometown to start their own business from the angles of reasons, theoretical mechanism and current situation of their entrepreneurship, and analyzes the present system of rural financial organizations and their evolution process.From the point of view of supply and demand, this paper analyzes the characteristics of financial demand and the current situation of financing channels for migrant workers returning to their hometown to start their own businesses, from three aspects: policy environment, migrant workers' own conditions, and financial service system.The analysis shows that the current financial support for migrant workers returning home to start a business is mainly characterized by poor entrepreneurial environment, insufficient support policies, insufficient financial publicity, lack of peasant workers' own assets, low success rate of starting a business, and single rural financial products.The reasons for these problems can be attributed to the following three aspects: the ability of returning migrant workers to start their own businesses is restricted, the policy propaganda is not enough, the rural financial innovation is not enough, and so on.Three levels of entrepreneurial individuals and financial institutions selected the national demonstration base of migrant workers in Jintang County Chongqing Yongchuan Yunwu Mountain Green Bank Agricultural Development Bank financial support cases for empirical analysis.Finally, combined with the problems and reasons of the financial support for migrant workers returning home, using the empirical experience of the case for reference, in view of the policy environment, migrant workers own conditions, rural financial system,The following suggestions are put forward from the aspects of rural financial innovation and propaganda and education: first, through optimizing the entrepreneurial environment, integrating entrepreneurial policies and increasing financial and financial support, we should create a policy environment for returning migrant workers to start their own businesses;Second, through enriching rural migrant workers' financial knowledge, strengthening entrepreneurial training and mobilizing entrepreneurial motivation, improving their own entrepreneurial ability; third, improving the diversified financial system, enhancing credit, building rural credit environment, and so on.Improve the rural financial service system; fourth, through the financial institutions, financial products, credit guarantee, risk control and other aspects of innovation to promote the overall innovation of rural finance; fifth, strengthen rural financial policy knowledge propaganda.
【學(xué)位授予單位】：重慶師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F323.6;F832.0

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