[1]刘志斌,周月书.基于路径分析法的江苏省返乡农民工创业性借贷需求及其影响因素分析[J].江苏农业学报,2015,(01):210-216.[doi:10.3969/j.issn.1000-4440.2015.01.033]
　LIU Zhi-bin,ZHOU Yue-shu.Credit demand of migrant workers returning home for starting businesses in Jiangsu by path analysis[J].,2015,(01):210-216.[doi:10.3969/j.issn.1000-4440.2015.01.033]
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基于路径分析法的江苏省返乡农民工创业性借贷需求及其影响因素分析()
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江苏农业学报[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2015年01期
页码:
210-216
栏目:
农业经济·农业信息
出版日期:
2015-02-28

文章信息/Info

Title:
Credit demand of migrant workers returning home for starting businesses in Jiangsu by path analysis
作者:
刘志斌1; 周月书2
（1.南京农业大学校长办公室，江苏南京210095;2.南京农业大学金融学院，江苏南京210095）
Author(s):
LIU Zhi-bin1; ZHOU Yue-shu2
（1.President Office,Nanjing Agricultural University, Nanjing 210095, China;2.College of Finance,Nanjing Agricultural University, Nanjing 210095, China）
关键词:
返乡农民工; 创业; 路径分析法; 借贷需求
Keywords:
migrant workers returning home; entrepreneurship; path analysis; credit demand
分类号:
F323.9
DOI:
10.3969/j.issn.1000-4440.2015.01.033
文献标志码:
A
摘要:
返乡农民工创业对于促进农民增收、农村发展有着重要意义，良好的创业需要有资金支持。本研究以路径分析法分析了江苏省返乡农民工的创业性借贷需求的影响因素。结果显示返乡农民工的借贷数量和借贷时间直接影响借贷途径，创业计划直接和间接影响借贷数量、借贷时间和借贷途径，社会资本、对融资渠道的认知与评价直接影响借贷途径，经济资本直接和间接影响借贷数量，打工经历、人力资本间接影响借贷途径、借贷数量和借贷时间。因此，应加大正规信贷资金供给，推出差异化借贷产品，提高金融扶持的需求针对性，提升农民工的认知水平和其贷款可得性。
Abstract:
Starting businesses by the migrant workers returning home is helpful to improve farmers’ income and to promote rural development. Successful entrepreneurships usually require a lot of money. This paper revealed the factors that might influence the credit demand of migrant workers for starting businesses by path analysis. The result shows that the amount and time period of loan influence the borrowing approach. The plan of entrepreneurship influences the amount, time period of loan and borrowing approach directly and indirectly. The social capital and knowledge about the financing channels influence the borrowing approach. The economic capital influences the amount directly and indirectly. The working experiences and human capital influence the amount, time period of loan and borrowing approach indirectly. It is necessary to boost the supply of credit funds in rural areas, to launch differentiated credit products, and to increase targeted financing support for improving the accessibility of locn for the migrant workers to stant businesses.

参考文献/References:

[1]钟甫宁,何军. 增加农民收入的关键：扩大非农就业机会[J]. 农业经济问题, 2007(1):62-70.
[2]黄瑞玲,安二中. 经济波动下返乡农民工就业促进机制的创新——基于江苏省13市1106名返乡农民工的调研[J]. 现代经济探讨, 2011(9):70-74.
[3]褚保金,莫媛. 金融市场分割下的县域农村资本流动——基于江苏省39个县(市)的实证分析[J]. 中国农村经济, 2011(1):88-96.

备注/Memo

备注/Memo:
收稿日期：2014-10-24 作者简介：刘志斌（1983-），男，江苏南京人，硕士，助理研究员，从事农村金融方向研究。（E-mail）liuzhibin@njau.edu.cn
更新日期/Last Update: 2015-02-28