返乡农民工创业信贷额度影响因素分析——以湖南省为例

摘要

How to determine the factor of affecting the size of the loan amount of migrant workers and provide good credit support for migrant workers' entrepreneurs and re-employment is the important problem faced by migrant workers,but is also great challenge which the government faces in the process of trying to promote entrepreneurship and employment.In the post-crisis era,the grim situation which migrant workers' credit is facing is analyzed qualitativly,by taking the amount of loans as the explanatory variable,selecting explanatory variables to construct the simple linear regression model,using EViews 6 software analysis and processing the data obtained,influence factors of migrant workers credit are obtained finally.At last policy recommendations on influence factors of improvement of returning migrant workers loan size are addressed.%如何确定影响农民工贷款金额大小的因素,并为农民工创业和再就业提供良好的信贷支持,是返乡农民工面临的重要问题,同时也是政府在努力促进创业和就业过程中面临的重大挑战。在后危机时代背景下,定性分析了农民工信贷面临的严峻形势,并以贷款金额为被解释变量,选择解释变量构建简单线性回归模型,利用EViews 6.0软件分析并处理得到的数据,最终得到影响农民工信贷的因素。最后,对改善返乡农民工贷款金额大小的影响因素提出了政策性建议。