【正文】 w rely mainly on ine in two ways： First, in species breeding, but this aspect has been little ine potential, but also by the impact of agriculture is a weak industry。本文擬對(duì)營口市農(nóng)民創(chuàng)業(yè)貸款現(xiàn)狀及存在問題進(jìn)行分析，并提出相應(yīng)措施，希望能對(duì)農(nóng)民創(chuàng)業(yè)貸款的發(fā)展及增加農(nóng)民收入 、建設(shè)新農(nóng)村有所幫助。今后增加農(nóng)民收入，主要應(yīng)該依靠 “ 農(nóng)民創(chuàng)業(yè) ” 這條新途徑 。 1 營口市農(nóng)民創(chuàng)業(yè)貸款問題研究 摘要 增加農(nóng)民收入是新農(nóng)村建設(shè)的關(guān)鍵。目前農(nóng)民增收主要依靠兩個(gè)途徑：一是從事種養(yǎng)殖業(yè)，但這方面增收潛力已經(jīng)不大，還受到農(nóng)業(yè)是弱質(zhì)產(chǎn)業(yè)的影響；二是進(jìn)城打工，由于打工工資不高，農(nóng)民在城市生活成本不斷提高，打工對(duì)農(nóng)民增收的效果也逐漸減弱。而要?jiǎng)?chuàng)業(yè)，資金是瓶頸，雖然已有一些金融機(jī)構(gòu)推出了農(nóng)民創(chuàng)業(yè)貸款服務(wù)，但目前仍存在很多問題。 本文首先對(duì) 農(nóng)民創(chuàng)業(yè)貸款理論 進(jìn)行 綜述 ，接下來分析了 營口市農(nóng)民創(chuàng)業(yè)貸款的 現(xiàn)狀 并對(duì)其進(jìn)行 前景分析 ，第三部分對(duì) 營口市農(nóng)民創(chuàng)業(yè)貸款問題 進(jìn)行 分析 ，最后對(duì)如何 解決 營口市農(nóng)民創(chuàng)業(yè)貸款問題 提出了具體 措施 。 Second, seek jobs in cities, due to low wage workers, the peasants in the city cost of living rising, the effect of wage ine for farmers has gradually weakened. In the future to increase the ine of peasants, mainly should rely on Rural Entrepreneurship, this new approach. In order to venture capital is the bottleneck, although there are some financial institutions offer business loans of farmers, but there are still many problems. This paper intends to Yingkou City Farmers business loan status and problems were analyzed, and corresponding measures, hoping to start lending to farmers and increase farmers ine development, building a new countryside help. This paper first reviewed the theory of peasant business loan, followed by analysis of Yingkou City, the status of farmers and their startup loan a prospective analysis, the third part of the Yingkou city farmers to analyze business loans, and finally farmers on how to solve a business loan in Yingkou City put forward concrete measures. Keywords： Increase farmers ine。 Yingkou City 1 目錄 引言 ................................................................................................................................................... 2 1 農(nóng)民創(chuàng)業(yè)貸款理論綜述 ................................................................................................................ 3 國外相關(guān)理論 .................................................................................................................... 3 有關(guān)創(chuàng)業(yè)精神的研究 ............................................................................................ 3 有關(guān)創(chuàng)業(yè)機(jī)會(huì)的研究 ............................................................................................ 3 有關(guān)創(chuàng)業(yè)過程的研究 ............................................................................................ 4 有關(guān)創(chuàng)業(yè)者個(gè)性特征的研究 ................................................................................ 4 有關(guān)創(chuàng)業(yè)者能力素質(zhì)的研究 ................................................................................ 5 有關(guān)環(huán)境與創(chuàng)業(yè)關(guān)系的研究 ................................................................................ 5 國內(nèi)相關(guān)理論 .................................................................................................................... 5 有關(guān)農(nóng)民創(chuàng)業(yè)政策的探討 .................................................................................... 5 有關(guān)農(nóng)民創(chuàng)業(yè)與農(nóng) 村經(jīng)濟(jì)的研究 ........................................................................ 6 有關(guān)農(nóng)民創(chuàng)業(yè)的培訓(xùn)研究 .................................................................................... 6 創(chuàng)業(yè)事跡的介紹 .................................................................................................... 6 2 營口市農(nóng)民創(chuàng)業(yè)貸款現(xiàn)狀及前景分析 ........................................................................................ 7 農(nóng)民創(chuàng)業(yè)發(fā)展?fàn)顩r ........................................................................................................... 7 個(gè)體特征與創(chuàng)業(yè)活動(dòng) ............................................................................................ 7 農(nóng)民創(chuàng)業(yè)活動(dòng)的特點(diǎn) ............................................................................................ 9 農(nóng)民創(chuàng)業(yè)貸款發(fā)展現(xiàn)狀 .................................................................................................. 13 農(nóng)民創(chuàng)業(yè)貸款前景分析 ................................................................................................. 14 政策性貸款的支農(nóng)作用不明顯 .......................................................................... 14 中小企業(yè)（鄉(xiāng)鎮(zhèn)企業(yè)）信用擔(dān)保機(jī)制亟待完善 .............................................. 16 3 營口市農(nóng)民創(chuàng)業(yè)貸款問題分析 ................................................................................................. 20 農(nóng)民創(chuàng)業(yè)貸款的信貸問題 ............................................................................................. 20 農(nóng)村信貸投入不足 .............................................................................................. 20 農(nóng)村資金外流嚴(yán)重 .............................................................................................. 21 農(nóng)民創(chuàng)業(yè)貸款的普及問題 ............................................................................................. 22 農(nóng)民創(chuàng)業(yè)貸款的監(jiān)管問題 ............................................................................................. 23 監(jiān)管目標(biāo)過于單一 .............................................................................................. 24 過于嚴(yán)格的市場準(zhǔn)入監(jiān)管 .................................................................................. 24 重外部監(jiān)管，輕內(nèi)部控制和市場約束 .............................................................. 24 未建立完善的退出機(jī)制 ...................................................................................... 25 4 解決營口市農(nóng)民創(chuàng)業(yè)貸款問題的措施 ..................................................................................... 25 優(yōu)化農(nóng)民創(chuàng)業(yè)貸款信貸體系 .......................................................................................... 25 建立多元化的農(nóng)民創(chuàng)業(yè)貸款管理體系 .............................................................. 26 建立商業(yè)性金融的競爭性市場環(huán)境 .................................................................. 26 改進(jìn)農(nóng)民創(chuàng)業(yè)貸款管理體系 ......................................................................................... 27 完善農(nóng)民創(chuàng)業(yè)貸款監(jiān)管體系 .......................................................................................... 28 確立穩(wěn)定與效率并重的監(jiān)管目標(biāo) ...................................................................... 28 應(yīng)建立完善的準(zhǔn)入和退出機(jī)制 ............................................................