The Research Of Financial Countermeasure For Migrant Workers Backing Home Business

Start returning migrant workers is the inevitable outcome of the two-way flow ofrural labor and urban development, labor factor resource re-optimize the results of theconfiguration; migrant workers return home business is to accelerate the development ofour rural areas, urban and rural labor, strengthen urban-rural interaction, the promotionof urban and rural areasan important path. Central Document No.2009also definedstrong support for migrant workers return home to entrepreneurship and join the newrural construction, pay close attention to the development of specific policies andmeasures to support migrant workers return home business guide mastered certain skills,certain funds accumulated farmers the workers business entrepreneurship to create jobs.Gradient transfer of labor-intensive industries to the central and western regions aseastern China, and countries to increase the training of farmers and agricultural andrural development support, the maturing of the business conditions of the migrantworkers. Start returning migrant workers, however, not just individual behavior on thesurface, is essentially due to a complex series of problems and contradictions role hereboth side institutional reasons, but also the social background, both for family reasons,and also economic factors. Therefore, good farmers, employment and entrepreneurship,especially migrant workers work, not only related to the settlement of the "three rural"issues, but also to the urban and rural areas and three simultaneous development relatedto social harmony and stability, related to building a moderately prosperous society andglobal modernization cause.The analysis of the entrepreneurial background of China’s migrant workers returnhome from the perspective of migrant workers return home business reasons, theory theMechanism and entrepreneurial status quo analysis of the financial needs of startreturning migrant workers from rural financial organizations present system and ItsEvolution, supply and demand perspective characteristics and financing channels for thestatus quo; article from the policy environment, the three aspects of the migrant workersconditions, financial service system, analyzed start returning migrant workers financialsupport to poor entrepreneurial environment, lack of supportive policies, financialinadequate publicity, farmers the workers own assets lack entrepreneurial success rate islow, single of rural financial products and financial services are not in place, the reasonfor the problem can be attributed to the return of migrant workers start own capacityconstraints the larger policy advocacy is not enough, the rural financial innovation is not enough and so three aspects; then, the article from the three levels of the overall policycontext, entrepreneurial individuals and financial institutions were selected migrantworkers start demonstration base Jintang County, Sichuan, Chongqing YongchuanYunwushan empirical analysis becomes green Bank, agricultural Development Bankfinancial support case, summarize representative results of experience; Finally, thecombination of the return of the problems of migrant workers financial support andreasons, drawing on the empirical evidence of the case, the policy environment, its ownconditions of migrant workers, the rural financial system, financial innovation in ruralareas as well as publicity and education the levels of the following recommendations:First, by optimizing the entrepreneurial environment, the integration of entrepreneurshippolicies and increase fiscal and financial support, to create a policy environment forentrepreneurship of migrant workers return home; through the abundant migrantworkers financial knowledge, strengthen entrepreneurship training and mobilization ofentrepreneurial drive improve migrant workers to return their own entrepreneurialabilities; Third, by the sound of a diversified financial system, enhance the credit, themeans to build rural credit environment, improve the rural financial service system;female financial institutions, financial products, credit guarantees, risk control, etc.aspects of innovation, and promote overall rural financial innovation; Fifth, tostrengthen the rural financial policy propaganda.