摘要
基于中部地区782户返乡农民工的调查数据,利用Logist模型分析了金融供给侧因素对农民工返乡创业融资渠道选择意愿的影响。研究发现:女性、年龄偏大的返乡农民工偏向于从正式金融组织处获得创业融资;男性、年龄偏小的返乡农民工偏向于从非正式金融组织处获得创业融资;金融产品审批及金融服务便捷化、主动化,机制健全的创业奖励性及金融政策使得返乡农民工偏好于正式金融组织。财政奖励性资金的评价及评审机制不健全等导致的寻租问题,均干扰着农民工创业融资渠道的选择。为此,简化贷款审批程序,多样化金融产品和服务,建立返乡农民工创业国家金融支持及创业资金与奖励性体制机制,有利于满足返乡农民工创业融资的需求,提高创业效率。
Based on the 782 survey data from migrant rural work, and used Logist model analysis the effect from financial supply side to the financing willingness choose of migrant worker, and found that the female, large aged rural worker in favor of choose the formal financial organization, and the man, small aged migrant rural worker in favor of choose the informal financial organization. Facilitated financial product approval, initiative and elaborated financial services, formally financial approval policies system can make migrant rural worker in favor of formal organization. The rent-seeking problems leaded by the informal national capital and incentive funds review mechanism, are interfered the financial channels choosing of migrant rural worker. Simplify the loan approval procedure, diversified the financial product and services, establish the national financial approval and incentive mechanism for migrant rural worker, can conducive to financial meet of migrant rural worker, and favor to improve the efficiency of entrepreneurship.
出处
《金融理论与实践》
北大核心
2016年第3期75-79,共5页
Financial Theory and Practice
基金
2015年国家社科基金青年项目"民间非正式金融组织借贷行为及借贷风险控制研究"(项目编号:15CSH040)
2013年国家社科基金一般项目"我国新生代农民工收入状况与消费行为研究"(项目编号:13BJY036)
河南省社会科学院2014年度一般课题"中原经济区发展的金融支持体系创新研究"(项目编号:2014B10)的资助
关键词
金融供给
返乡农民工
金融侧
融资渠道
financial supply
returning migrant rural worker
financial side
financing channels
