江苏省返乡农民工创业性借贷需求及其影响因素研究

发布时间：2018-06-09 23:49

本文选题：返乡农民工 + 创业性借贷需求　；参考：《南京农业大学》2013年硕士论文

【摘要】：关注返乡农民工的创业需求,既是提高农村生活水平的需要,也是促进返乡农民工带动家乡地区发展、寻找农村发展新动力的需要,更是维护农村稳定、提升农民小康水平的必然要求。本文从微观视角出发,通过对江苏省返乡农民工创业性借贷需求及其影响因素的调查和研究,试图了解当前我国返乡农民工创业性金融需求的特征和有关因素对其的影响机制,在此基础上提出有关对策和建议。本文在综述已有国内外相关研究成果的基础上,选取江苏省的苏北、苏中和苏南三个不同经济发展水平的地区作为样本区,深入农户家庭,对返乡创业的农民工进行问卷调查和访谈调查,获得现阶段江苏省农民工返乡创业情况的一手资料,分析农民工返乡创业性借贷需求的主要特征进而运用路径分析模型,对农民工返乡创业性借贷需求的影响因素进行实证分析,最后据此提出相关政策建议。本文研究发现：江苏省返乡农民工创业性借贷需求旺盛,但仍以非正规借贷为主要借贷方式；返乡农民工借贷的数量和借贷的时间对借贷的途径选择有显著直接的影响；创业投入规模对借贷数量、借款时间和借贷途径的选择均具有显著的正向影响,创业类型对三者也都有显著的影响；打工经历通过社会资本间接影响借贷途径,但其中只有打工地点通过创业计划间接影响借贷数量和借贷时间；社会资本对返乡农民工创业途径选择有较弱的正向影响；对借款方式直接成本、合同兑现程度和隐形成本等三方面的认知与评价程度的提高均有利于该借款方式被返乡农民工采纳；经济资本越丰富的返乡农民工,更加有胆量借更多的资金从事创业活动,进而导致其更加倾向于延长借贷时间,并从正规渠道借贷；人力资本水平越高,借贷的数量越多,时间越长,但银行借贷比例越低。根据以上研究结论,本文提出以下政策建议：重视金融政策扶持,加大正规信贷资金供给；强化市场区分,实行借贷产品差异化；对接创业需求,提高金融扶持针对性；提高认知评价水平,提高融资渠道采纳率；返乡农民工提高自身资本存量,提高贷款可得性。
[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.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.6;F832.43;F279.2

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