發(fā)布時間：2018-03-31 21:54

  本文選題：云南省　切入點(diǎn)：農(nóng)村“三權(quán)”抵押貸款　出處：《云南師范大學(xué)》2016年碩士論文

【摘要】：“三農(nóng)”問題是我國一直以來非常重視的問題,自2004年起,每年發(fā)布的中央一號文件中,都會提到“三農(nóng)”的相關(guān)問題和政策意見。“三農(nóng)”問題的有效解決,不僅是我國中國特色市場經(jīng)濟(jì)飛速發(fā)展的內(nèi)在要求,更是我國構(gòu)建社會主義和諧社會的內(nèi)在動力。解決“三農(nóng)”問題的關(guān)鍵,在于實(shí)現(xiàn)農(nóng)村經(jīng)濟(jì)的快速、穩(wěn)定、健康發(fā)展,實(shí)現(xiàn)農(nóng)村金融市場的完善和金融供求的平衡。然而,由于其自身的特殊性,農(nóng)村經(jīng)濟(jì)體存在資金供需不對稱、融資渠道不規(guī)范等問題。出現(xiàn)這些問題的主要原因在于農(nóng)戶擁有的農(nóng)村土地承包經(jīng)營權(quán)、宅基地使用權(quán)和林權(quán)無法作為貸款抵押物,從而無法通過抵押貸款這種方式來獲取資金,而銀行也出于風(fēng)險(xiǎn)考慮,不愿向農(nóng)戶發(fā)放貸款。為解決這一困境,農(nóng)村“三權(quán)”抵押貸款融資方式應(yīng)運(yùn)而生。目前為止,我國許多地區(qū)在積極探索農(nóng)村“三權(quán)”抵押貸款實(shí)踐方面做出了很大的努力并取得了一定的成績,這為解決我國農(nóng)村金融供求不均衡問題提供了寶貴的經(jīng)驗(yàn)。但由于各地農(nóng)村經(jīng)濟(jì)發(fā)展?fàn)顩r不同,在開展農(nóng)村“三權(quán)”抵押貸款融資活動中面臨的困難和需要解決的問題便會有所差異。所以,云南省開展的農(nóng)村“三權(quán)”抵押貸款活動存在其特殊性,需具體問題具體分析。本文以云南省為研究區(qū)域,在實(shí)地調(diào)查基礎(chǔ)上對云南省農(nóng)村“三權(quán)”抵押融資基本現(xiàn)狀進(jìn)行了描述,從宏觀層面剖析了“三權(quán)”抵押貸款目前階段面臨的困境和存在的問題,如:缺乏立法支撐、政府支持力度不夠、金融機(jī)構(gòu)積極性差、市場體系不完善、價(jià)值評估不健全、市場風(fēng)險(xiǎn)大、農(nóng)民積極性差等。然后,從微觀入手,以云南省典型縣區(qū)農(nóng)戶各項(xiàng)特征為樣本,分析了各項(xiàng)特征對農(nóng)戶農(nóng)村“三權(quán)”抵押貸款融資意愿的影響。最后,結(jié)合宏觀和微觀兩個層面,從云南省農(nóng)村“三權(quán)”抵押貸款實(shí)踐情況出發(fā),針對實(shí)踐過程中面臨的融資困境,提供相應(yīng)的路徑選擇和政策建議,如:完善立法、加強(qiáng)政府支持、創(chuàng)新業(yè)務(wù)模式、健全市場體系、鼓勵農(nóng)戶參與等。
[Abstract]:The issue of "agriculture, countryside and farmers" has always been attached great importance to in our country. Since 2004, in the document No. 1 of the Central Committee issued every year, the related problems and policy opinions of "agriculture, rural areas and farmers" have been mentioned, and the effective solution of the problem of "agriculture, rural areas and farmers" has been mentioned. It is not only the inherent requirement of the rapid development of the market economy with Chinese characteristics, but also the internal motive force of constructing a harmonious socialist society in our country. The key to solve the problem of "agriculture, countryside and farmers" lies in realizing the rapid, stable and healthy development of the rural economy. To achieve the perfection of rural financial market and the balance of financial supply and demand. However, because of its own particularity, rural economies have asymmetric supply and demand of funds. The main reasons for these problems lie in the rural land contractual management right owned by the farmers, the right to use the homestead and the forest right can not be used as collateral for the loan. It is impossible to obtain funds by way of mortgage loans, and banks are reluctant to lend to farmers because of their risk. To solve this dilemma, the "three rights" mortgage financing method in rural areas came into being. So far, Many areas of our country have made great efforts and made certain achievements in actively exploring the practice of "three rights" mortgage loans in rural areas. This has provided valuable experience in solving the imbalance between the supply and demand of rural finance in our country. However, due to the different conditions of rural economic development in various regions, The difficulties and problems that need to be solved in carrying out the "three rights" mortgage financing activities in rural areas will be different. Therefore, the rural "three rights" mortgage loan activities in Yunnan Province have their particularities. Taking Yunnan Province as the research area, this paper describes the basic situation of rural "three rights" mortgage financing in Yunnan Province on the basis of field investigation. This paper analyzes the difficulties and problems in the present stage of "three rights" mortgage loan from the macro level, such as: lack of legislative support, insufficient government support, poor enthusiasm of financial institutions, imperfect market system, imperfect evaluation of value, etc. The market risk is big, the farmer enthusiasm is bad and so on. Then, starting from the microcosmic, taking the typical county area of Yunnan province as the sample, the paper analyzes the influence of the characteristics on the rural "three rights" mortgage loan financing willingness of the farmers. Combining macro and micro aspects, starting from the practice of "three rights" mortgage loan in the rural areas of Yunnan Province, this paper aims at the financing dilemma in the process of practice, and provides the corresponding path choice and policy suggestions, such as: perfecting the legislation, strengthening the government support. Innovation business model, perfect market system, encourage farmer household to participate wait.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.43

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本文編號：1692613