摘要
利用河南和甘肃4个村庄的整村全户调查数据分析返乡创业农民工的家庭负债、投资和信贷需求的现状和特征。结果发现:资金问题是当前返乡创业的主要制约因素之一,金融支持是目前返乡创业最需要的政策扶持方式;农户借贷成本高,针对返乡创业的信贷产品相对较少;返乡创业者和准备创业者信贷需求旺盛,但未能获得相应的金融服务。
Based on whole-village-survey data of four villages in Henan and Gansu,this paper analyzes the current status and characteristics of household debt,investment and credit demand of returned migrant entrepreneurs.The results show that:first,the issue of funding is the main constraint to the business,and financial support is the most-needed means of policy support;second,credit costs is very high,and there are relatively few credit products that targeted at returned home entrepreneurship;third,the returned migrant entrepreneurs have great demand of the credit but fail to obtain the corresponding financial services.
作者
陈方
CHEN Fang(Rural Development Institute, Chinese Academy of Social Science, Beijing 100732, China)
出处
《重庆理工大学学报（社会科学）》
CAS
2018年第12期50-58,共9页
Journal of Chongqing University of Technology（Social Science）
基金
国家社会科学基金重点项目"构建一体化的新型城乡关系研究"(15AZD020)
中国社会科学院国情调研特大项目"精准扶贫精准脱贫百村调研"
关键词
返乡创业农民工
家庭负债
信贷需求
投资规模
金融支持
returned migrant entrepreneurs
household debt
credit demand
investment scale
financial support
