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湘阴县经济发展逐年增强,新农村建设力度不断加大。随着政府扶持返乡创业文件的下达,有意愿返乡创业的农民工纷纷意识到,家乡的创业土壤开始变得肥沃了。但是,由于政策体系的不成熟,导致金融支持体系与农村经济发展不匹配,从而致使农民工在融资条件上束缚住了脚步。本文通过官方数据论证湘阴县在金融支持农民工返乡创业方面存在的不足以及原因,再通农村金融体制创新的角度提出实质性的可优化扶持返乡创业的政策建议。
The economic development of Xiangyin County has been strengthened year by year, and the intensity of new rural construction has been constantly increasing. With the government backing the return of entrepreneurial documents, migrant workers who are willing to go back to work and start their own businesses have come to realize that the entrepreneurial soil in their hometown has become fertile. However, due to the immature policy system, the financial support system does not match with the rural economic development, which leads the peasant workers to get a grip on the financing conditions. Based on the official data, this paper argues the deficiencies and causes of the financial support for migrant workers returning to their hometown and proposes the substantive policy recommendations that can be used to optimize the support for returning home to start a business from the perspective of rural financial system innovation.