农民工返乡创业金融支持模式研究

Financial Support Model of Returning-Home Migrant Workers' Entrepreneurship

2008年金融危机后,我国政府相继出台了一系列惠农强农政策,吸引大批农民工返乡创业,掀起了农民工返乡创业热潮。在我国新常态攻坚时期,合理引导农民工返乡创业,对缓解就业压力以及和谐社会的建设具有重要意义。目前,我国农民工返乡创业过程中的最大瓶颈是融资难、融资贵问题。要解决这一难题,须从创新农村金融支持体系着手,深入探析农村金融支持体系中存在的问题并力求获得解决方法。应深入分析农民工返乡创业资金不足的原因,围绕他们在不同创业阶段企业所面临的风险,借鉴发达国家解决中小企业融资难问题的宝贵经验,结合本国国情,构建针对农民工返乡创业的金融支持模式。

After the financial crisis of 2008, the Chinese government has issued a series of preferential policies for farmers to attract a large number of migrant workers retuming-home which set off migrant workers return home entrepreneurship boom. In the new normal crucial period of our country, reasonable guidance of migrant workers to return home entrepreneurship is of great significance to ease the employment pressure and the construction of harmonious society. At present, the biggest bottleneck in the process of Chinese migrant workers return home entrepreneurship is financing difficulties. To solve this problem, we need to begin with the study on the innovation of rural financial support system, and then we should analyse the existing problems in the rural financial support system in depth and strive to obtain the solution. We should analyze the reasons for the insufficient funds of migrant workers return home entrepreneurship arounding the risks faced by enterprises in different stages of entrepreneurship, draw lessons from the developed countries to solve the problem of financing of small and medium sized enterprises, combine with national conditions and construct financial support model for migrant workers returning home entrepreneurship.