摘要
农民工返乡创业融资渠道单一、银行贷款有严格的担保要求,束缚了金融对农民工返乡创业的支持。根据国内金融机构在支持农民工创业过程中存在的主要问题,提出了加强宣传与合作、建立良好的担保体系、推行专项贷款制度、构建返乡农民工创业信用评价指标、发展各种微型金融机构、健全金融信贷服务等对策建议。
Sole business startup finance channel of rural migrant worker,and st rict security requirement for bank loans constrain banking support for rural mig rant workers to return their home to start up business.Given the main problems e xisting in the process of the supporting the migrant workers business startup by domestic financial institutions,this paper put forwards specific countermeasure s which are to strengthen publicity and cooperation,to establish a good security system,to implement special loans,to build business credit evaluation indicato rs for the returning migrant workers,to develop different microfinance instituti ons,and to improve financial and credit services.
出处
《企业经济》
北大核心
2012年第1期98-100,共3页
Enterprise Economy
基金
淮阴工学院科研基金项目"金融危机下农民工返乡创业研究"(批准号:HGA0909)阶段性成果
关键词
创业金融
创新抵押
风险分担
business startup finance
innovation mortgage
risk-sharing
