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  

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] 

机构地区：[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

出　　处：《江苏农业学报》2015年第1期210-216,共7页Jiangsu Journal of Agricultural Sciences

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。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.

关 键 词：返乡农民工 创业 路径分析法 借贷需求 

分 类 号：F323.9[经济管理—产业经济]