Research on the Influencing Factors of the Entrepreneurial Intention of People Returning from Urban to Rural Areas: The Views of New Development Concept

. This paper focuses on the entrepreneurial intention for "people returning from urban to rural areas ", the research selects three towns with different economic levels in Liancheng County of Fujian Province of China. Through field visits, in-depth interviews and questionnaires, it deeply explores the reasons, experiences, difficulties and contributions to rural construction of " people returning from urban to rural areas ", and systematically understands the new demographic dividend caused by " people returning from urban to rural areas " in combination with the local policy environment and the present situation of entrepreneurship. Using simple random sampling and scientific econometric methods, this paper makes an empirical analysis of 532 samples of " people returning from urban to rural areas ", and finally concludes that " people returning from urban to rural areas " to start a business can give birth to five new demographic dividends, such as demographic labor dividend, demographic quality dividend, demographic consumption dividend, policy dividend and social harmony dividend. In addition, this study constructs a theoretical model of "returning to the city" and finds that the policy environment, individual capital and personal motivation of people returning from urban to rural areas have significant influences on the entrepreneurial intention.


Introduction
In recent years, due to the saturation of the labor market, it is urgent to create new jobs.With the formation of the new trend of "mass entrepreneurship and innovation", returning home entrepreneurship has received unprecedented attention."Going back to the city" is defined as a person who, after studying or working in the city, returns home to start a business with accumulated knowledge, contacts, technology, capital and other capital.Urban return is a special group that emerged as the times require in the process of China's transition from urbanrural dual structure to modern social and economic structure.Being in the city, they try to follow the rhythm of the city and let themselves live as urban people should.However, due to the influence of China's urban-rural dual structure, "urban return" has always been regarded as an "outsider" in the city, with interpersonal indifference and sense of distance, and wandering dreams.As a result, "urban return" has no sense of belonging and faces a "long distance" Traditionally, demographic dividend refers to the fact that a country's working-age population accounts for a large proportion of the total population, and its population support is relatively low, so the savings rate is high, which can promote investment growth and maintain a high economic growth rate.With the decline of China's fertility rate and the deepening of the aging trend, it is difficult for the total domestic labor force to keep increasing, and the disappearance of the traditional demographic dividend has become an important problem restricting China's economic development.The social value created by "returning to the city" in the city is limited due to its own educational level, network resources and other conditions.City life is demanding, it can't meet its basic survival needs, its own initiative can't be effectively stimulated, social harmony is affected, and the city can't accommodate them; Social problems such as "three stays" and "hollowing out" caused by the outflow of labor force, as well as the inadequate implementation of rural policies, make the development of urban economy and rural economy unbalanced, and the living conditions differ greatly, so that rural areas cannot keep them.This makes them unable to create labor value better, which further aggravates the decline of the traditional demographic dividend.People returning to start a business has brought advanced production technology, management knowledge, capital and other resources back to the countryside, greatly improving the quality of the agricultural population and giving birth to a new demographic dividend; Effectively solved social problems such as "hollowing out" and "three staying behind", promoted production, reduced rural idle labor, and gave birth to a new demographic labor dividend; It promoted the equal exchange of consumer goods between urban and rural areas, raised the level of rural consumption, and gave birth to a new demographic dividend; Make the implementation of rural government policies more in place and give birth to new policy dividends; More importantly, "returning to the city" to start a business has greatly reduced the city's carrying pressure, effectively eased the gap between urban and rural areas, promoted social harmony, and gave birth to social harmony dividends.In the past, most of the studies used a single level to predict the entrepreneurial intention from the pure entrepreneurial environment, but few of them used the personal motivation and individual capital to verify it.This paper focuses on the research on the influencing factors of the entrepreneurial intention of the urban returning groups, and investigates the mechanism of the influence of personal motivation, individual capital and policy environment on the entrepreneurial intention.It has a realistic sense of urgency to expand the theoretical research space mentioned above, so as to provide typical examples for entrepreneurial management practice.

Literature review 2.1 Personal motivation and entrepreneurial intention
According to the concept connotation of domestic and foreign scholars, personal motivation can be divided into survival motivation, social motivation and achievement motivation.Motivation is an important intrinsic trait of an individual, and it is the intrinsic motivation for an individual to accomplish a task that he thinks is meaningful and valuable, and strive for a satisfactory result (McClelland,1961).People with higher motivation will be more active in collecting information about entrepreneurship, learning necessary skills, enhancing their self-confidence in entrepreneurial behavior, and finally making them have a higher sense of entrepreneurial self-efficacy than ordinary individuals.According to Bandura's theory of self-efficacy, selfefficacy can effectively predict individual behavior, and it is the psychological motivation for individual selfregulation to continue (Bandura,1997).It is easier to take risky entrepreneurial behaviors, and the stronger the entrepreneurial willingness is (Sun Yue, Hu Bei, Yang Tianzhong, 2011; Tian, et al.,2022).H1: Personal motivation has a significant impact on entrepreneurial intention.

Individual capital and entrepreneurial intention
Entrepreneurial willingness is also closely related to individual capital.The richer individual capital is, the more entrepreneurial opportunities can be seized, and the stronger entrepreneurial will is.Generally speaking, individual capital includes three dimensions: social capital, human capital and economic capital.Scholars have found that entrepreneurs with better social capital are also more satisfied with the quality of entrepreneurship.Davidsson and Hoing verified the positive effect of individual capital and entrepreneurial experience on entrepreneurial possibility through a long-term follow-up survey of Swedish residents.Arenius research shows that people with high education are more likely to start a business.At the same time, the existing research has also made some expansion in psychological capital, and an upward and positive psychological attitude can often stimulate the generation of entrepreneurial motivation.H2: individual capital has a significant impact on entrepreneurial intention.

Policy environment and entrepreneurial intention
At present, the academic circles seldom touch the meaning of entrepreneurial policy environment, and the related literature mainly focuses on an established research object, most of which focus on the mechanism and influence relationship of entrepreneurial policy.Generally speaking, policy is a high-level general declaration, which is different from plans and implementation plans.Plans and implementation plans involve specific goals, implementation means, decisionmaking methods and steps to be achieved, while policies are not.They are principled, macroscopic and forwardlooking and problem-oriented declarations.Qu Wan et al. (2018) thinks that entrepreneurship policy is a normative system or a behavioral plan set up and implemented in order to give birth to entrepreneurship and innovation dividends and achieve innovation goals, in line with the policies and development concepts of the party and the state.It is usually the general name of various administrative regulations, laws and regulations and measures.The research of Zhang Lixin et al. (2019) mentioned that policy support and entrepreneurial atmosphere significantly affected the past entrepreneurial intention, current entrepreneurial intention and long-term entrepreneurial intention; Based on the entrepreneurial characteristics of the returning groups, this study holds that the entrepreneurial policy environment refers to the actual cognition and understanding degree of these groups on entrepreneurial related policies and preferential information provided by the government.Therefore, this paper assumes that the policy environment has a significant impact on entrepreneurial intention.H3: Policy environment has a significant impact on entrepreneurial intention.

Samples and procedures
Based on 532 questionnaires and in-depth interviews with entrepreneurs, this paper makes a qualitative and quantitative analysis of the influencing factors of "returning to the city" to start a business.In this paper, three towns with different economic levels in Liancheng County, Fujian Province were selected, and through field visits, in-depth interviews and questionnaires, the reasons, entrepreneurial experiences, difficulties encountered in entrepreneurship and contributions to rural construction of "returning to the city" were deeply explored.Combined with the local policy environment and entrepreneurial status, the status quo of "returning to the city" to start a new type of demographic dividend was systematically understood.Using simple random sampling and scientific econometric methods, 532 samples of "urban return" were empirically analyzed.

Descriptive statistical analysis 4.1 Personal motivation
Personal motivation is analyzed from three potential variables, and the average values of the three observed variables are all above the intermediate level (Means=2.5),which shows that these three motivations are the main reasons why migrant workers go out to work.Among them, the average of the three observed variables of "achievement motivation" is the highest, which indicates that "achievement motivation" is the most important motivation for migrant workers to go out to work, and the average of the observed variable of "self-realization ability" reaching 3.70 is the most powerful driving force.

Individual capital
Among the three categories of capital of migrant workers, the average value of the observed variable "human capital" is lower than the intermediate level (Means=2.5),which shows that the government's investment in "human capital" is seriously insufficient, especially in "entrepreneurship training".And "social capital" is the most important capital for migrant workers to become successful entrepreneurs when they return home.In terms of "economic capital", due to the vigorous development of coastal cities' economy, migrant workers can accumulate large capital during the period of going out to work, forming the driving force for returning home to start a business.

Policy environment
From the perspective of the potential variable of "policy environment", the mean value of each observation variable is above and below the middle level, among which the highest mean value is the observation variable "infrastructure construction status of the county", which indicates that if we want to successfully attract migrant workers to return home and start business, this observation variable is the basic condition and essential.

Entrepreneurial intention
From all aspects, the mean value of the observed variables is higher than the middle level, which shows that migrant workers have strong entrepreneurial intention.Among them, the average value of the observation variable "whether to grasp the entrepreneurial opportunity" is the highest, indicating that many migrant workers are waiting for the appropriate entrepreneurial opportunity.Once the opportunity appears, most migrant workers will choose to return home to start their own businesses; The lowest is the observation variable "the intensity of the current willingness to return home to start a business", although the lowest in this dimension, but still has a high level.It shows that migrant workers are more inclined to return home to start their own businesses.

Validity analysis
The scale of personal motivation, personal capital, policy environment and willingness to return home and start a business in this report are all certified by domestic and foreign parties with high reliability and validity, and have good content validity.After the status quo of returning home and the ability of migrant workers to fill in the answer, the scale was revised, the items of questions were increased and the wording was revised.In order to confirm that the revised scale also has higher validity, the validity analysis is carried out.
Policy environment=Po-E, Entrepreneurial intention=En-I After using spss19.0,factor analysis shows that factor load is greater than 0.5.After that, the kmo values observed by principal component analysis were all greater than 0.5, and the significance levels of Bartlett's spherical test results were less than 0.000, which was very suitable for factor analysis.After extracting eight principal components with eigenvalues greater than 1, the cumulative variance contribution value is 69.766%, which indicates that the eight factors have 69.766%explanatory power for 28 observation variables.Using the maximum variance method of orthogonal rotation, the eight single factors can be matched to the corresponding common factors.Confirmatory factor analysis by AMOS showed that the mean variable extraction (AVE) was higher than the standard value of 0.50.These results showed that the scale had good aggregate validity.

Reliability analysis
It was found that the alpha value of cronsch's was significant.The specific analysis of other variables is as follows: the overall reliability of the three dimensions of personal motivation, survival motivation, social motivation and achievement motivation is higher than 0.7 by Cronbach's alpha analysis, which proves that the questionnaire has high consistency and the editing of personal motivation items is reasonable.Through Cronbach's alpha analysis of the three dimensions of personal capital, social capital, human capital and economic capital, the overall Cronbach's alpha value is higher than 0.7, which proves that the scale designed in this survey has strong consistency.The Cronbach's alpha value of policy environment is 0.849, higher than 0.8, which has strong internal consistency.The overall Cronbach's alpha value of entrepreneurial intention is 0.762, indicating that it has strong consistency.

Regression analysis
In order to study whether the personal motivation, personal capital and policy environment of returning migrant workers will affect their willingness to start a business, this study makes a specific hypothesis test analysis through eight groups of models.The results show that personal capital, personal motivation and policy environment have a positive impact on the willingness to return home.In the table below, model 1 includes background variables such as gender, age, education background and marital status of migrant workers as the control variables.In models 2-8, the survival motivation(β=0.477,P < 0.001), social motivation(β=0.359, P < 0.001), achievement motivation ( ( β=0.157, P < 0.05), social capital (β=0.301,P < 0.001), human capital(β=0.390,P < 0.001), economic capital(β=0.308,P < 0.001) and policy environment ( β=0.268, P < 0.001).The fitting values were all ideal, and Durbin Watson values were between 1.5 and 2.5.Therefore, the regression analysis is effective.All the hypotheses are valid.

Conclusion and discussion
According to the above empirical analysis, the following conclusions are drawn:In the descriptive statistics of influencing factors, it is found that migrant workers have basic knowledge and understanding of the policy environment for returning home to start a business, but their willingness to start a business is not high, mainly because there is no suitable business opportunity to encourage migrant workers to return home to start a business.The scores of migrant workers' entrepreneurial willingness and motivation are high, while the scores of individual capital are low, especially the human capital and economic capital are at a low level, which shows that migrant workers are willing to return home to start their own businesses with high motivation and willingness, but they are limited to individual capital, which may lead to the unsuccessful return of migrant workers to start their own businesses and the poor government's entrepreneurship training, resulting in the low enthusiasm of migrant workers to start their own businesses.Through correlation analysis, it is found that the willingness to return home to start a business has a significant correlation with educational background, survival motivation, social motivation, achievement motivation, social capital, human capital, economic capital and policy environment.The government makes corresponding policies through its related relations.Through variance analysis, it is found that migrant workers aged 26-35 with college education or above have significant differences in their willingness to return home from other types of migrant workers, and this type of migrant workers should be given a lot of attention and support.Through multiple regression analysis, seven dimensions, such as individual capital, personal motivation and policy environment, have a positive impact on the willingness to return home to start a business.Creating New Ideas of Migrant Workers' Returning Home to Start a Business in Fujian Province under the New Normal.Increase the construction of education and training programs for migrant workers returning home to start businesses.Differentiated education should be given to migrant workers who return home to start their own businesses according to their different working levels, different development targets and different project skills.It is better to have 35 students in each class, and the training duration should be 2-3 months.Carry out universal education on the basic contents of migrant workers' entrepreneurship, incorporate the entrepreneurial ideas and knowledge of migrant workers' returning home into basic education, set up excellent publicity and education demonstration communities or villages and towns, carry out demonstration contents of different entrepreneurial projects in various places, and carry out pilot sites in different villages and towns.Find experts and volunteers to complete the compilation of textbooks for migrant workers returning home to start their own businesses.In this way, we can avoid the repetition of speeches and lectures, and carry out systematic training activities, which will not only facilitate migrant workers' autonomous learning, but also make teaching and training more systematic and scientific.We can implement the network teaching scheme for migrant workers, conduct network teaching through the Internet platform, and improve their own cultural skills.You can also invite successful entrepreneurs with practical experience to give speeches.They can not only impart knowledge to migrant workers, but also guide migrant workers to learn how to resolve the uncertainties, difficulties and risks encountered in the entrepreneurial process.Help migrant workers who return home to start their own businesses to establish relationships with relevant professional and technical personnel, solve the problems they encounter in starting their own businesses in time, and realize the effective connection between migrant workers' entrepreneurship and professional and technical services.It is possible to set up a cooperation platform between schools and enterprises and pioneering parks, so that skilled and experienced enterprise personnel can go deep into migrant workers' groups, teach migrant workers technology and knowledge, broaden their cognition, strengthen the education construction of migrant workers who return home to start their own businesses, pay attention to the combination of theoretical knowledge and practical cases, theoretical study and market research, and allocate the teaching ratio of practical operation part to theoretical study part and practical operation part according to 3:1; Let innovative and enthusiastic college students and migrant workers work together, so that not only can college students have practical opportunities, but also migrant workers have young and active partners, killing two birds with one stone.Improve the quality of migrant workers themselves.Increase the education and technical training for migrant workers to return home to start their own businesses, and give follow-up feedback.From the questionnaire survey, it is found that industrial technology is one of the most lacking parts for migrant workers to return home to start their own businesses, and it is necessary for local governments to provide technical education and training for migrant workers returning home.Differentiated education should be carried out for migrant workers who have returned home to start their own businesses at different working levels, different development targets and different project skills.Implement the special action plan of entrepreneurship training in various regions, and train the returning migrant workers in entrepreneurship skills, marketing and business management through internships, cases, seminars and visits.Follow-up counseling for employees who are willing to start a business and participate in training, and provide psychological counseling to help migrant workers overcome their psychological barriers to starting a business.Online teaching can be implemented, and migrant workers can learn online through the Internet platform, making full use of fragmentation time.Eligible agricultural leading enterprises are selected for migrant workers to visit and study, and business leaders are organized to share and exchange experiences with migrant workers.The training mode of "work-study alternation" is adopted, and training papers are given to migrant workers who participate in the training, and the full amount can be exchanged for internship opportunities.Will participate in entrepreneurial projects of migrant workers returning home into the "sunshine project" training scope, according to the policy to give corresponding vocational training subsidies, encourage migrant workers returning home to participate in entrepreneurship training.Encourage returning migrant workers to improve their management system and establish new rural cooperatives.With the financial support of the government, we will help local returning migrant workers' enterprises to establish friendly and cooperative relations with outstanding agricultural enterprises in neighboring cities, and implement urban enterprises to help rural counterparts improve their management and management systems.Encourage outstanding leading agricultural enterprises to take the lead in establishing new rural cooperatives, and then bind the corresponding farmers to form cooperatives with enterprises, so as to realize the sharing of rural resources and knowledge.Actively promote basic democracy and self-government, bind the economic interests of returning migrant workers with the interests of rural society, improve the new rural governance model, make public choices with migrant workers as the main body, and improve their autonomy and sense of participation.Building a cooperation platform between schools and rural pioneering parks and leading agricultural enterprises.School-enterprise cooperation training gives full play to the advantages and resources of both sides and cultivates high-tech talents.The school can provide opportunities for excellent migrant workers' entrepreneurial enterprises to pursue further studies, and cooperate with agricultural, agricultural and forestry universities to combine practice with theory.Many migrant workers only have practical experience when they work outside the home, but most of them lack management experience.Using schoolenterprise cooperation can improve their own management ability.Rural pioneer parks and leading agricultural enterprises can also provide internship bases for college students, or jointly train a group of outstanding college students, so that they can go to the countryside for development after graduation, and also provide technical training for returning migrant workers.Retain high-quality migrant workers talents and attract migrant workers to return to their hometowns to start businesses.It is the key point for migrant workers to return home to start their own businesses, and attracting migrant workers to return home to start their own businesses should be included in the government's talent introduction plan.Provide opportunities for migrant workers enterprises returning home to start businesses to give priority to the selection of demonstration units, recommend outstanding entrepreneurial leaders of migrant workers to attend government meetings, discuss rural development plans with government officials, and give certain funds and honorary awards.Give bonuses and emotional care to local college students, and provide certain material and spiritual rewards to college students' families who return home to work.Foreign college students come to start businesses in local areas or help local farmers start businesses to provide land concessions, labor security, social security and other support and rewards.Improve communication, transportation, logistics, hydropower and other infrastructure, provide a better entrepreneurial environment, facilitate migrant workers to travel between towns and villages, and attract migrant workers to return home to start businesses.Promoting the reform of government administrative departments and improving the soft culture of entrepreneurship.All counties and county-level cities in Fujian province have set up full-time departments for migrant workers to return home to start their own businesses, according to the decision-making arrangements of the CPC Central Committee, the State Council and the Ministry of Agriculture, and the division of responsibilities according to the Opinions issued by the provincial government.Not only actively implement the support and help of migrant workers returning home to start a business, but also accurately define the application conditions of migrant workers returning home to start a business and simplify the process of migrant workers applying for starting a business.Full-time departments can also provide more targeted help and services for different types of entrepreneurship.This department can serve as a communication bridge between migrant workers who are returning home to start their own businesses and higher-level government departments, and can timely feed back the problems occurring in this area to the higher level, which is an essential part for migrant workers who are returning home to start their own businesses successfully.Formulate reasonable and scientific supportive policies.Accelerate the promulgation and implementation of the "Development Policy for Migrant Workers' Homecoming Entrepreneurial Enterprises" in various regions, improve the market access mechanism as soon as possible, and promote the diversification of product sources, varieties, trade, transportation and other ways of entrepreneurial projects of migrant workers returning home.And establish a set of support standards for different industries and different technical levels, and propose higher and more reasonable support policies such as funds and technical support for entrepreneurial projects that are brave in innovation and technically difficult.For example, the financing policy embodied in the eel farm case is similar to that in the Jinlun case in Zhangzhou, but the time and way of obtaining funds are restricted by different municipal governments.Therefore, all departments should introduce differentiated support policies, which can learn from better developed local policies and give the greatest entrepreneurial support to returning migrant workers.
Local governments have accelerated the establishment of special groups for migrant workers to return to their hometowns to start businesses and attract investment.As members, the heads of relevant governments and organizations have put the work of attracting migrant workers "wanderers" to their hometowns on the agenda.Make use of the concentrated time of migrant workers' return to their hometowns on statutory holidays to carry out condolence activities, or carry out tea party activities between outstanding private entrepreneurs and migrant workers, vigorously publicize preferential policies and outstanding entrepreneurial projects for migrant workers' return to their hometowns, and narrow the distance between government personnel and migrant workers.Guide migrant workers to make rational use of resources according to local conditions and provide more entrepreneurial projects.Relevant departments should make proper use of the abundant agricultural land resources and ecological resources in the local area, guide the returning migrant workers to engage in agriculturalrelated companies or cooperatives, and provide more qualified talents for the development of modern agriculture.In our investigation, we also found that in small and medium-sized towns far away from metropolises, entrepreneurial projects of returning migrant workers are mostly concentrated in rural leisure tourism bases, farmers' professional cooperatives or agricultural development companies.These bases, cooperatives and companies not only make their own profits, but also drive the surrounding farmers to find jobs and get rich.As long as the policy guidance measures are correct, the coordination mechanism is reasonable, and more feasible entrepreneurial projects are provided, the enthusiasm of migrant workers to return home to start their own businesses will be enhanced.Improve the entrepreneurial service system for migrant workers returning home.Relevant departments should actively build information service platforms to comprehensively improve the efficiency of migrant workers' returning home to start businesses.Actively guide migrant workers who return home to start their own businesses to carry out information technology entrepreneurship projects in internet plus, and establish an Internet service platform with integrated functions such as project display, product investment and e-commerce, so as to help realize the transparency and convenience of migrant workers' return home entrepreneurship information, thus improving the information arrival rate.Local governments should actively explore, and can concentrate idle and scattered fields, pastures, woodlands and land with development value, and contract them to the migrant workers who need to return home to start their own businesses at low rent.We should further broaden and simplify the entry conditions of the entrepreneurial market.We will streamline the entrepreneurial process of returning migrant workers.We should simplify the registration procedures related to entrepreneurship, promote cluster registration, and "one site, multiple licenses" and other methods, effectively innovate the access conditions, business sites and access fields of entrepreneurial projects, simplify the relevant approval procedures, and improve the efficiency of government departments.Through the establishment of public welfare intermediary organizations for migrant workers who know how to return home and start their own businesses, with various information release platforms as the support point, help migrant workers timely avoid the policy and technical knowledge blind areas when starting their own businesses.Integrate the entrepreneurial resources of counties and cities.All local governments and relevant departments should jointly establish migrant workers' home returning entrepreneurship Park, actively and effectively connect with migrant workers' home returning entrepreneurship projects, improve infrastructure construction, and call on competent enterprises to provide project consultation and other services for returning migrant workers, so as to reduce the opportunity cost of looking for entrepreneurial projects.Invite experts from various fields to conduct regular training and Q & A sessions.Through the establishment of public welfare entrepreneurship intermediary organizations, relying on the information release platform, to help migrant workers timely clear the policy blind spot when starting a business.We should also improve the rural social security system for migrant workers returning home, and provide humanistic care such as household registration management and children's education.Combined with different local conditions, efforts should be made to bring the migrant workers who return home to start their own businesses into the social security system, and establish medical insurance services for migrant workers boasting of provinces and cities, so as to provide practical protection for migrant workers starting businesses in other places.For the returning migrant workers in the process of entrepreneurship, we should provide them with the treatment of urban household registration as much as possible, and timely exempt their children from the fees of various enrollment procedures, so as to solve the problem of their entrepreneurship.
Local governments should establish a trinity of pre audit, in-process audit and post feedback for returning migrant workers to engage in moderate scale operation of transfer land.The working process should be simplified and transparent, and the audit process should be comprehensively simplified and opened up a special channel for returning migrant workers to start businesses, so as to effectively reduce the entrepreneurial cost of returning migrant workers.At present, all enterprises should actively provide high-quality information and efficient services for enterprises in the market.Set up market information bulletin wall in densely populated areas, and let migrant workers get relevant information in time, effectively transmit the external supply and demand information, and quickly find marketing channels and potential markets for entrepreneurial migrant workers.Increase financial support to reduce the financing cost of migrant workers returning home.The government's financial support policy is the most direct way to encourage migrant workers to return home and start their own businesses.On the one hand, local governments should increase the special subsidy funds for migrant workers to start their own businesses.These special subsidies should also be used on the cutting edge.For example, the social security subsidies for migrant workers who are in line with the project of returning to their hometown to start their own businesses, the projects with long payback period for Returned Migrant workers, and the corresponding incentive subsidies for entrepreneurship projects that promote the local labor employment rate.The government departments should adopt the policy of interest free and non mortgage loan for three to five years for good returning home entrepreneurship projects, and give loans according to different entrepreneurial projects, with the amount ranging from 20000 yuan to 2 million yuan, so as to help migrant workers have a good financing environment at the initial stage of entrepreneurship.It is necessary to reasonably arrange government financial funds to provide subsidies for migrant workers to start their own businesses.Support and encourage local financial institutions to provide financial services for migrant workers returning home to start their own businesses, increase their credit support, and solve the problem of insufficient venture capital for migrant workers.We will provide special financing services for migrant workers returning home to start their own businesses and reduce loan interest.At the same time, the government should establish a direct reward system for relevant financial institutions, and the financial institutions that actively support migrant workers to return home and start their own businesses will be given direct rewards by the government.The government, rural credit cooperatives and other relevant departments should also improve the quality of financial services and actively innovate financing products.In view of the feasibility of migrant workers returning home to start their own businesses, we should launch diversified mortgage services, and allow them to mortgage their investment in other valuable forms such as family farm (forest) farm, land contractual management right, mining right, housing property right, machinery and equipment, registered trademark and other valuable forms.For the characteristics of low starting point, late development and scattered projects, relevant financial organizations should provide special financial products.In the loan project, we should set up a scientific pricing method and risk control as the basic point, and customize financial products for migrant workers returning home.It is suggested that private loans should be legalized.Let migrant workers rely on private lending organizations have laws to follow and develop reasonably.At the same time, reduce the credit threshold of formal financial institutions.We can establish supervision departments for private lending organizations, effectively guarantee the credit activities of migrant workers, encourage nongovernmental credit organizations to move from "dark" to "bright", and let legal financial institutions cooperate with non-governmental organizations to accelerate the development of micro loans.Each organization should establish the performance evaluation mechanism of micro loan, and make reasonable and scientific evaluation on the scale of entrepreneurship, success rate, amount of loan, benefit of driving employment and recovery of remuneration; Small loans, small loans and effective land loans.We will continue to improve the management system of loan risk in various departments.To continue to promote the related construction of "rural credit project", rural credit cooperatives should actively provide high-quality loan services for returning migrant workers, implement the farmer household joint guarantee loan system and letter of credit system, establish the credit file, punishment mechanism for breach of credit and rating release of Returned Migrant Workers to start their own businesses, and provide differentiated financial projects for migrant workers returning home to start their own businesses.
Popularize financial knowledge to migrant workers.Migrant workers belong to the poor and vulnerable groups.They have limited educational background and do not have some basic financial knowledge.However, at present, China's credit mobile phones are more cumbersome and complex, which takes time and effort to handle, and the interest rate is also high.Therefore, farmers' unions seek informal channels, such as private lending, to meet the demand for funds.Therefore, the local government and local financial institutions should introduce the financing environment, financial policy, credit information, characteristic financial products and other service information through the network, television, radio, newspaper, mobile internet terminal and other platforms.At the same time, regular organization of grassroots credit personnel into the home of returning migrant workers, detailed information to Qi, can also be arranged on a regular basis related knowledge lectures, Q & A meetings and the establishment of financial service stations.

Rsearch Limitations and Future Research Directions
There are limitations to this study.First, we measured survival motivation, social motivation, achievement motivation, social capital, human capital, economic capital, policy environment and entrepreneurial intention through self-reporting; thus, common method variance might have inflated the relationships between those variables.Second, our sample makes use of groups from a single industry company.Thus, the generalizability of our results needs to be tested by future replications in other service settings.We suggest that future researchers evaluate the results of this study by looking at different service settings.In addition, another direction for further research pertains to the mediating roles of psychological capital and cultural factor.Although we show that motivation, capital and policy have significant impact on entrepreneurial intention, other variable may exist on entrepreneurial behavior.

Funding
This research was supported by Fujian University Philosophy and Social Science research project(JAS21464), Fujian Social Science planning fund program (FJ2022BF036).

Table 1 :
Reliability and validity analysis

Table 3 :
multiple stratum regression analysis