CAJ | 학술논문

以对农民工创业意愿调查的结果为依据,分析了制约农民工创业的金融排斥现象。通过对调查对象的选择结果进行统计和分析,得出户籍与农民工创业风险是农民工受到地理排斥、评估排斥、条件排斥、价格排斥、营销排斥和自我排斥的主要原因。因此,可以通过改革农村土地金融制度,提高对农民工提供金融服务的金融机构的风险补偿水平及大力发展小额贷款公司等办法克服金融排斥现象。
이대농민공창업의원조사적결과위의거,분석료제약농민공창업적금융배척현상。통과대조사대상적선택결과진행통계화분석,득출호적여농민공창업풍험시농민공수도지리배척、평고배척、조건배척、개격배척、영소배척화자아배척적주요원인。인차,가이통과개혁농촌토지금융제도,제고대농민공제공금융복무적금융궤구적풍험보상수평급대력발전소액대관공사등판법극복금융배척현상。
Based on the findings of the survey on migrant workers＇ entrepreneurial propensity this paper analyzes financial exclusion phenomenon which restraints migrant workers＇ carve-out.Through statistic and analysis of the selected research subjects this paper obtains the main reasons that why migrant workers suffer geographic exclusion assessment exclusion condition exclusion price exclusion marketing exclusion and self-exclusion.Therefore we overcome financial exclusion phenomenon through many ways such as reforming farmland financial institution in rural areas increasing the level of risk compensation to the financial institutions which provide financial services to migrant workers and extensively developing small-loan companies and so on.