中文摘要：

生计资本差异是阻碍农户生计改善的重要因素。文章以襄阳3个县域1037个创业农户为依据,深入探讨政策性金融支持对返乡创业农户生计资本配置及生计改善的影响。研究表明：创业贷款农户与非贷款农户对生计资本配置存在显著的差异性,创业贷款次数、额度对农户的人力资本、物质资本以及金融资本的影响最为显著,区域间的农户创业绩效存在差异性。在此基础上,提出了金融进一步支持创业农户改善生计的政策建议。

英文摘要：

Livelihood capital difference is one of the important factors to hinder farmers＇ livelihood improvement. This paper, based on the data of 1037 entrepreneurial farmers in three counties of Xiangyang city, discusses deeply the impact of policy-oriented financial support on returning entrepreneurial farmers＇ livelihood capital allocation and livelihood improvement. The research shows that there are signifi- cant differences in the livelihood capital allocation between farmers with demand and those without demand for entrepreneurial loans, the number and the amount of entrepreneurial loans have the most significant impacts on farmers＇ human capital, material capital and finan- cial capital, and the entrepreneurial performance of farmers is different between regions. Accordingly, the paper puts forward policy recom- mendations to further support entrepreneurial farmers imorovin~ their livelihood：