本文關(guān)鍵詞：河南原陽縣農(nóng)戶融資困境及對(duì)策研究　出處：《西南民族大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)戶融資 農(nóng)戶融資困境 新型的農(nóng)村金融機(jī)構(gòu)

【摘要】：我國農(nóng)戶的經(jīng)濟(jì)發(fā)展水平比較低，生產(chǎn)經(jīng)營主要還是分散經(jīng)營，農(nóng)民的生產(chǎn)生活沒有得到完全的資金支持，造成了農(nóng)村經(jīng)濟(jì)發(fā)展緩慢和農(nóng)戶收入增加困難的現(xiàn)狀。另外就是農(nóng)生業(yè)產(chǎn)的特點(diǎn)是風(fēng)險(xiǎn)高、收益低、季節(jié)性強(qiáng)、周期長(zhǎng)，農(nóng)村正規(guī)金融機(jī)構(gòu)為了避免風(fēng)險(xiǎn)，減少信息尋求成本和降低管理難度，就會(huì)減少或者不提供資金給農(nóng)戶，這些都嚴(yán)重的阻礙了農(nóng)村經(jīng)濟(jì)的發(fā)展，使農(nóng)民貧困的現(xiàn)狀沒有得到根本的改變。本文通過對(duì)農(nóng)戶融資的困境表現(xiàn)進(jìn)行分析，以此嘗試找到化解農(nóng)戶融資難的辦法，這對(duì)提高農(nóng)民的收入，加快農(nóng)村經(jīng)濟(jì)的發(fā)展，縮小貧富差距、統(tǒng)籌城鄉(xiāng)經(jīng)濟(jì)發(fā)展具有重要的意義。 本文以農(nóng)戶這一微觀的經(jīng)濟(jì)主體為出發(fā)點(diǎn)，，系統(tǒng)化的闡述了金融發(fā)展理論，農(nóng)村金融理論、信息不對(duì)稱理論、交易成本理論等理論。之后通過實(shí)證檢驗(yàn)來分析農(nóng)戶的融資情況對(duì)農(nóng)民收入增加，減少貧困的作用，試圖體現(xiàn)出農(nóng)民能順利融得資金的重要性。選取對(duì)河南省原陽縣的調(diào)查資料，對(duì)農(nóng)戶融資的意愿、目的、渠道、風(fēng)險(xiǎn)、效應(yīng)進(jìn)行分析。之后分析農(nóng)戶向正規(guī)金融融資困境的表現(xiàn)，和向民間金融機(jī)構(gòu)融資困境的表現(xiàn)。本文主要是分析農(nóng)戶自身稟賦狀況對(duì)農(nóng)戶融資影響，采用多元的Logit計(jì)量模型，分析農(nóng)戶融資的影響因素，探討當(dāng)前農(nóng)村金融體系對(duì)農(nóng)戶融資造成的影響。從農(nóng)戶自身的原因和面臨的金融原因兩個(gè)方面，針對(duì)性地提出解決農(nóng)戶融資難的可行性建議，希望能為提高農(nóng)民收入，改善農(nóng)村居民的生活水平，推進(jìn)農(nóng)村經(jīng)濟(jì)建設(shè)做出一定的貢獻(xiàn)。
[Abstract]:The level of economic development of farmers in China is relatively low, the production and management is mainly decentralized management, farmers' production and life has not been fully supported by funds. In addition, the characteristics of agricultural production are high risk, low income, seasonal strong, long cycle, rural formal financial institutions in order to avoid risks. Reducing the cost of information seeking and reducing the difficulty of management will reduce or not provide funds to farmers, which seriously hinder the development of rural economy. The present situation of farmers' poverty has not been fundamentally changed. Through the analysis of the plight of farmers' financing performance, this paper tries to find ways to resolve the farmers' financing difficulties, which will improve farmers' income. It is of great significance to accelerate the development of rural economy, narrow the gap between rich and poor, and coordinate the development of urban and rural economy. This paper, starting from the micro economic subject of farmers, systematically expounds the theories of financial development, rural finance and information asymmetry. Then through the empirical test to analyze the impact of farmers' financing situation on the increase of farmers' income and reduce poverty. This paper tries to reflect the importance of the farmers to be able to finance smoothly. Select the investigation data of Yuanyang County, Henan Province, the willingness, purpose, channel, risk of farmers' financing. After the analysis of farmers to the formal financial difficulties and the performance of private financial institutions financing predicament. This paper mainly analyzes the impact of farmers' own endowment on farmers' financing. By using the multivariate Logit econometric model, this paper analyzes the influencing factors of farmers' financing, and probes into the impact of the current rural financial system on the farmers' financing from two aspects: the farmers' own reasons and the financial reasons they face. This paper puts forward some feasible suggestions to solve the problem of farmers' financing, hoping to contribute to raising farmers' income, improving the living standard of rural residents and promoting the construction of rural economy.
【學(xué)位授予單位】：西南民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前6條

1 張慶f ;;農(nóng)戶結(jié)構(gòu)和行為對(duì)借貸傾向的影響研究——基于湖南2000戶農(nóng)戶的問卷調(diào)查[J];財(cái)經(jīng)理論與實(shí)踐;2010年03期

2 汪三貴;中國小額信貸可持續(xù)發(fā)展的障礙和前景[J];農(nóng)業(yè)經(jīng)濟(jì)問題;2000年12期

3 史清華,陳凱;欠發(fā)達(dá)地區(qū)農(nóng)民借貸行為的實(shí)證分析——山西745戶農(nóng)民家庭的借貸行為的調(diào)查[J];農(nóng)業(yè)經(jīng)濟(jì)問題;2002年10期

4 劉松林;杜輝;;基于農(nóng)戶收入水平的借貸需求特征分析[J];統(tǒng)計(jì)與決策;2010年08期

5 何廣文;從農(nóng)村居民資金借貸行為看農(nóng)村金融抑制與金融深化[J];中國農(nóng)村經(jīng)濟(jì);1999年10期

6 周小斌,耿潔,李秉龍;影響中國農(nóng)戶借貸需求的因素分析[J];中國農(nóng)村經(jīng)濟(jì);2004年08期

本文編號(hào)：1438713