本文選題：返鄉(xiāng)農(nóng)民工 + 創(chuàng)業(yè)性借貸需求��； 參考：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：關(guān)注返鄉(xiāng)農(nóng)民工的創(chuàng)業(yè)需求,既是提高農(nóng)村生活水平的需要,也是促進(jìn)返鄉(xiāng)農(nóng)民工帶動(dòng)家鄉(xiāng)地區(qū)發(fā)展、尋找農(nóng)村發(fā)展新動(dòng)力的需要,更是維護(hù)農(nóng)村穩(wěn)定、提升農(nóng)民小康水平的必然要求。本文從微觀視角出發(fā),通過(guò)對(duì)江蘇省返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)性借貸需求及其影響因素的調(diào)查和研究,試圖了解當(dāng)前我國(guó)返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)性金融需求的特征和有關(guān)因素對(duì)其的影響機(jī)制,在此基礎(chǔ)上提出有關(guān)對(duì)策和建議。 本文在綜述已有國(guó)內(nèi)外相關(guān)研究成果的基礎(chǔ)上,選取江蘇省的蘇北、蘇中和蘇南三個(gè)不同經(jīng)濟(jì)發(fā)展水平的地區(qū)作為樣本區(qū),深入農(nóng)戶家庭,對(duì)返鄉(xiāng)創(chuàng)業(yè)的農(nóng)民工進(jìn)行問(wèn)卷調(diào)查和訪談?wù){(diào)查,獲得現(xiàn)階段江蘇省農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)情況的一手資料,分析農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)性借貸需求的主要特征進(jìn)而運(yùn)用路徑分析模型,對(duì)農(nóng)民工返鄉(xiāng)創(chuàng)業(yè)性借貸需求的影響因素進(jìn)行實(shí)證分析,最后據(jù)此提出相關(guān)政策建議。 本文研究發(fā)現(xiàn)：江蘇省返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)性借貸需求旺盛,但仍以非正規(guī)借貸為主要借貸方式；返鄉(xiāng)農(nóng)民工借貸的數(shù)量和借貸的時(shí)間對(duì)借貸的途徑選擇有顯著直接的影響；創(chuàng)業(yè)投入規(guī)模對(duì)借貸數(shù)量、借款時(shí)間和借貸途徑的選擇均具有顯著的正向影響,創(chuàng)業(yè)類型對(duì)三者也都有顯著的影響；打工經(jīng)歷通過(guò)社會(huì)資本間接影響借貸途徑,但其中只有打工地點(diǎn)通過(guò)創(chuàng)業(yè)計(jì)劃間接影響借貸數(shù)量和借貸時(shí)間；社會(huì)資本對(duì)返鄉(xiāng)農(nóng)民工創(chuàng)業(yè)途徑選擇有較弱的正向影響；對(duì)借款方式直接成本、合同兌現(xiàn)程度和隱形成本等三方面的認(rèn)知與評(píng)價(jià)程度的提高均有利于該借款方式被返鄉(xiāng)農(nóng)民工采納；經(jīng)濟(jì)資本越豐富的返鄉(xiāng)農(nóng)民工,更加有膽量借更多的資金從事創(chuàng)業(yè)活動(dòng),進(jìn)而導(dǎo)致其更加傾向于延長(zhǎng)借貸時(shí)間,并從正規(guī)渠道借貸；人力資本水平越高,借貸的數(shù)量越多,時(shí)間越長(zhǎng),但銀行借貸比例越低。 根據(jù)以上研究結(jié)論,本文提出以下政策建議：重視金融政策扶持,加大正規(guī)信貸資金供給；強(qiáng)化市場(chǎng)區(qū)分,實(shí)行借貸產(chǎn)品差異化；對(duì)接創(chuàng)業(yè)需求,提高金融扶持針對(duì)性；提高認(rèn)知評(píng)價(jià)水平,提高融資渠道采納率；返鄉(xiāng)農(nóng)民工提高自身資本存量,提高貸款可得性。
[Abstract]:The need to pay attention to the entrepreneurial needs of migrant workers returning home is not only the need to improve the living standards in rural areas, but also the need to promote the development of rural areas by returning migrant workers and to find new driving forces for rural development, as well as to maintain rural stability. Raise farmer well-off level inevitable requirement. From the micro perspective, this paper attempts to understand the characteristics of the entrepreneurial financial demand of migrant workers returning home in China and the influence mechanism of the relevant factors through the investigation and study of the entrepreneurial lending needs of migrant workers returning home in Jiangsu Province and their influencing factors. On the basis of summarizing the domestic and foreign related research results, this paper selects three regions of Jiangsu Province with different economic development levels as sample areas to go deep into the peasant households, including the north of Jiangsu Province, the middle of Jiangsu Province and the south of Jiangsu Province, which have three different levels of economic development, such as north Jiangsu province, central Jiangsu province and southern Jiangsu province. Through the questionnaire survey and interview investigation, the author obtains the primary data of the situation of migrant workers returning to their hometown in Jiangsu Province, analyzes the main characteristics of the demand for rural migrant workers returning to their hometown to start a business loan, and then uses the path analysis model. This paper makes an empirical analysis on the factors affecting the demand for entrepreneurial loans for migrant workers returning to their hometowns, and finally puts forward relevant policy recommendations. This paper finds that the demand for entrepreneurial loans for migrant workers returning to their hometown in Jiangsu Province is strong. However, informal lending is still the main mode of borrowing; the amount of loans and the time of lending for migrant workers returning home have a significant and direct impact on the choice of ways to borrow; the scale of entrepreneurial investment has a significant and direct impact on the amount of loans. Both the time of borrowing and the choice of the way of borrowing have significant positive influence, and the type of entrepreneurship also has a significant impact on the three, and the experience of working through social capital indirectly affects the way of borrowing and borrowing. However, only the working place indirectly affects the amount of loans and the borrowing time through the entrepreneurial plan; the social capital has a weaker positive impact on the choice of starting a business path for migrant workers returning to their hometown; and the direct cost of the loan mode. The improvement of the degree of cognition and evaluation of the degree of contract fulfillment and invisible cost is beneficial to the adoption of the borrowing method by the migrant workers returning home. The richer the economic capital, the more daring the migrant workers are to borrow more funds to engage in entrepreneurial activities. The higher the level of human capital, the more the amount of borrowing, the longer the time, but the lower the proportion of bank loans. This paper puts forward the following policy suggestions: attach importance to financial policy support, increase the supply of formal credit funds; strengthen the market differentiation, implement the differentiation of lending products; docking entrepreneurial needs, improve the pertinence of financial support; improve the level of cognitive evaluation. Increase the adoption rate of financing channels; increase their capital stock and loan availability.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F323.6;F832.43;F279.2

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