本文選題：農(nóng)村信用社 + 農(nóng)戶��； 參考：《南京農(nóng)業(yè)大學(xué)》2010年博士論文

【摘要】：由于中國農(nóng)業(yè)銀行從農(nóng)村金融市場的退出,農(nóng)村信用社已近逐漸發(fā)展成為了我國農(nóng)村金融機(jī)構(gòu)的龍頭老大,其經(jīng)營發(fā)展的好壞在一定程度上對農(nóng)村廣大地區(qū)的經(jīng)濟(jì)發(fā)展起著舉足輕重的作用。據(jù)相關(guān)資料顯示,2008年江蘇省的人均GDP達(dá)到了39622元,經(jīng)濟(jì)的快速發(fā)展決定了金融環(huán)境的進(jìn)一步優(yōu)化。農(nóng)村信用社作為現(xiàn)有農(nóng)村的唯一政府主導(dǎo)機(jī)構(gòu)在支持農(nóng)村經(jīng)濟(jì)發(fā)展方面起著重要的作用。 江蘇省區(qū)域經(jīng)濟(jì)差異相對較大,蘇南地區(qū)鄉(xiāng)鎮(zhèn)企業(yè)發(fā)展迅速,城鄉(xiāng)一體化基本形成,蘇北地區(qū)仍然是屬于以傳統(tǒng)農(nóng)業(yè)為主的欠發(fā)達(dá)地區(qū),因此也就決定了其金融環(huán)境存在差異,金融發(fā)展方向趨于不同。新一輪的農(nóng)信社改革后,蘇南的大部分信用社逐漸改制為農(nóng)村商業(yè)銀行,已完全實(shí)現(xiàn)了向股份制轉(zhuǎn)變的過程；蘇北地區(qū)由于仍然以傳統(tǒng)農(nóng)業(yè)為主,其農(nóng)業(yè)地位的重視程度要遠(yuǎn)遠(yuǎn)高于蘇南地區(qū),對信用社的依賴程度也明顯可見。本文以蘇北地區(qū)為例,通過SDI值測定農(nóng)信社改革前后自身經(jīng)營績效的變化情況,在分析農(nóng)村信用社自身經(jīng)營發(fā)展的基礎(chǔ)上,本文進(jìn)一步基于蘇北地區(qū)對于支農(nóng)業(yè)務(wù)的開展作出分析,以農(nóng)戶和農(nóng)村合作經(jīng)濟(jì)組織為例討論農(nóng)信社對農(nóng)村經(jīng)濟(jì)主體的信貸供給情況,分析信用社的支農(nóng)行為；同時通過信貸資金與農(nóng)戶收入、農(nóng)民專業(yè)合作組織經(jīng)營績效之間的關(guān)系考察蘇北地區(qū)農(nóng)村信用社的支農(nóng)績效,最終為蘇北地區(qū)農(nóng)村信用社改革的服務(wù)“三農(nóng)”目標(biāo)提供理論依據(jù)和實(shí)踐經(jīng)驗(yàn)。其具體內(nèi)容主要有以下幾個方面： 第一章、引言部分。通過對選題背景的介紹以及問題的提出探討本文的寫作方向,分步介紹本文的研究目標(biāo)和分析框架。 第二章、分析框架。本章主要厘清本文的整體思路,通過農(nóng)戶和農(nóng)民專業(yè)合作組織兩大主體,分析蘇北地區(qū)農(nóng)村信用社對農(nóng)戶、農(nóng)民專業(yè)合作組織的信貸供給,考察農(nóng)信社信貸資金對農(nóng)戶收入、組織績效影響的內(nèi)在邏輯。 第三章、樣本地區(qū)農(nóng)村信用社的情況概述。本章以蘇北地區(qū)為例,通過SDI(補(bǔ)貼依賴指數(shù))的研究方法考察兩家樣本地區(qū)信用聯(lián)社在2002年到2008年期間經(jīng)營發(fā)展能力的變化情況。 第四章、農(nóng)村信用社信貸支農(nóng)的視角之一：農(nóng)戶層面。通過考察蘇北地區(qū)農(nóng)村信用社對農(nóng)戶信貸供給的決策行為來分析信用社對農(nóng)戶的支農(nóng)力度。以蘇北地區(qū)農(nóng)戶的有效需求來分析農(nóng)信社對農(nóng)戶貸款的決策行為,找出影響農(nóng)信社對農(nóng)戶信貸供給行為的各具體因素,分析其內(nèi)在的原因；分析農(nóng)村信用社信貸資金對農(nóng)戶收入的影響。 第五章、農(nóng)村信用社信貸支農(nóng)視角之二：農(nóng)民專組織層面。本章主要考察蘇北地區(qū)信用社對農(nóng)民專業(yè)合作經(jīng)濟(jì)組織的信貸行為與信貸規(guī)模,通過對農(nóng)村信用社改革前后對農(nóng)民專業(yè)合作組織的扶持強(qiáng)度及其支農(nóng)延續(xù)性的變化程度,分析農(nóng)信社信貸資金在支持農(nóng)民組織時存在的問題,以及又有哪些因素影響著農(nóng)信社的貸款行為；分析農(nóng)村信用社信貸資金對農(nóng)民專業(yè)合作經(jīng)濟(jì)組織經(jīng)營績效的影響,探討農(nóng)信社的支農(nóng)效力。 第六章、農(nóng)信社信貸資金對農(nóng)戶收入的影響分析,本章從宏觀的角度上考察了農(nóng)信社支農(nóng)績效的延續(xù)性,通過時間序列模型分析了農(nóng)信社信貸資金對農(nóng)民收入的提高是否得到體現(xiàn),同時分析不同時期支農(nóng)績效的變化情況。 第七章、研究結(jié)論和政策建議。 通過對蘇北地區(qū)農(nóng)村信用社信貸支農(nóng)進(jìn)行實(shí)證分析,本文得出如下結(jié)論： (1)從考察樣本地區(qū)信用社的SDI值來看,其總體上是趨于逐步縮小的趨勢,信用社的經(jīng)營發(fā)展能力逐年增強(qiáng)。信用社資產(chǎn)規(guī)模逐年擴(kuò)大,農(nóng)業(yè)貸款逐年增加,農(nóng)信社的各項(xiàng)財務(wù)指標(biāo)均呈現(xiàn)好轉(zhuǎn)程度。總體上來說信用社經(jīng)營績效得到明顯改善。 (2)通過聯(lián)立方程模型對農(nóng)村信用社的貸款決策行為進(jìn)行了實(shí)證分析,結(jié)果顯示顯著的變量有戶主的年齡、戶主是否是村干部以及該家庭的固定資產(chǎn)規(guī)模與家庭勞動力人數(shù)。戶主年齡與農(nóng)戶獲得貸款的關(guān)系呈負(fù)相關(guān)關(guān)系,戶主是否村干部與農(nóng)戶是否獲得貸款呈正相關(guān)關(guān)系。固定資產(chǎn)規(guī)模較大的農(nóng)戶能夠有一定的資產(chǎn)作抵押,能夠易于獲得信用社貸款。同時對于家庭勞動力人數(shù)與農(nóng)信社貸款決策行為成正相關(guān)關(guān)系。該結(jié)論還顯示信用社改革變量在模型中并不顯著,農(nóng)村信用社改制與否并不能顯著影響金融機(jī)構(gòu)的貸款決策行為。 (3)本文通過蘇北地區(qū)的樣本考察了農(nóng)村信用社對農(nóng)民專業(yè)合作組織的貸款行為,利用Heckman兩步?jīng)Q策模型對農(nóng)村信用社貸款行為和貸款規(guī)模作了實(shí)證分析。結(jié)果顯示組織主要領(lǐng)導(dǎo)者受教育程度與農(nóng)信社的貸款行為呈正相關(guān)關(guān)系；組織的年均收入與農(nóng)信社的貸款行為呈正相關(guān)性；固定資產(chǎn)越多,其該組織的抗風(fēng)險能力就越強(qiáng),農(nóng)信社越愿意傾向給農(nóng)民專業(yè)合作社貸款。在對信用社給農(nóng)民專業(yè)合作組織發(fā)放貸款規(guī)模的模型上,固定資產(chǎn)規(guī)模與所在地區(qū)的年均收入都與組織的信貸規(guī)模成正相關(guān)關(guān)系,農(nóng)民專業(yè)組織與當(dāng)?shù)匦庞蒙缰g的距離對信用社的信貸規(guī)模呈反比。 (4)農(nóng)信社信貸資金與農(nóng)戶收入呈正相關(guān)關(guān)系,在農(nóng)戶的自有資金有限時,為了擴(kuò)大生產(chǎn),農(nóng)戶必須加強(qiáng)資金的投入。農(nóng)村信用社作為唯一的農(nóng)村正規(guī)金融機(jī)構(gòu),是農(nóng)戶信貸資金的主要來源,其農(nóng)戶貸款的發(fā)放在一定程度上有利于農(nóng)戶收入的增加；農(nóng)村信用社的信貸資金有利于農(nóng)民專業(yè)合作經(jīng)濟(jì)組織經(jīng)營績效的提高,有利于壯大農(nóng)民合作組織的規(guī)模,促進(jìn)農(nóng)民合作組織的發(fā)展。 (5)通過時間序列模型驗(yàn)證1990-2008年蘇北地區(qū)農(nóng)村信用社信貸資金對農(nóng)戶收入的影響,基于以上的研究維度評價農(nóng)村信用社信貸資金的支農(nóng)績效,研究結(jié)論顯示農(nóng)信社發(fā)放的農(nóng)戶貸款在短期內(nèi)和農(nóng)戶收入呈現(xiàn)正相關(guān)關(guān)系；在長期沒有與農(nóng)戶收入形成良性的互動關(guān)系,蘇北地區(qū)農(nóng)村信用社發(fā)放的農(nóng)戶貸款總體績效較低,農(nóng)戶貸款促進(jìn)農(nóng)戶收入提高的功能沒有得到有效發(fā)揮�？傮w而言,蘇北地區(qū)農(nóng)信社的支農(nóng)績效雖然在短期內(nèi)對農(nóng)戶收入有一定的促進(jìn)作用,但是長期來說,對農(nóng)戶收入的增長并沒有顯示持續(xù)的推動作用,其信用社貸款的總體支農(nóng)績效是低下的。
[Abstract]:Because of the withdrawal of the Agricultural Bank of China from the rural financial market, the rural credit cooperatives have gradually developed into the leading leader of the rural financial institutions in China. Their management and development play an important role in the economic development of the rural areas to a certain extent. According to the related data, the per capita GDP of Jiangsu Province in 2008 has reached the highest level. 39622 yuan, the rapid development of the economy determines the further optimization of the financial environment. The rural credit cooperatives, the only government leading institution in the existing rural areas, play an important role in supporting the development of the rural economy.
The regional economic differences in Jiangsu are relatively large, the development of township enterprises in South of Jiangsu is rapid, and the integration of urban and rural areas is basically formed. The region is still under the underdeveloped areas dominated by traditional agriculture. Therefore, the financial environment is different and the direction of financial development is different. After the reform of the new round of agricultural credit cooperatives, the large part of South of Jiangsu The sub credit cooperatives are gradually converted into rural commercial banks, which have fully realized the process of transferring to the shareholding system. Due to the still traditional agriculture, the importance of its agricultural status is far higher than that of the South of Jiangsu area, and the degree of dependence on the credit cooperatives is obviously visible. Based on the analysis of the development of the management and development of rural credit cooperatives, this paper makes a further analysis on the development of rural credit cooperatives, and takes farmers and rural cooperative economic organizations as an example to discuss the credit supply situation of the rural credit cooperatives to the rural economic entities, and analyzes the branch bank of the credit cooperatives. At the same time, through the relationship between the credit funds and farmers' income and the management performance of the farmers' professional cooperative organizations, the performance of rural credit cooperatives in Northern Jiangsu Province is investigated, and the theoretical basis and practical experience are provided for the "three rural" objectives of the rural credit cooperatives reform in Northern Jiangsu Province.
The first chapter, the introduction part. Through the introduction of the background of the topic and the question, we discuss the direction of this paper, and introduce the research objectives and analysis framework of this paper.
The second chapter, the analysis framework. This chapter mainly clarifies the whole idea of this article. Through the two main bodies of farmers' and farmers' professional cooperative organizations, this chapter analyzes the credit supply of rural credit cooperatives to farmers and farmers' professional cooperative organizations in Northern Jiangsu Province, and examines the internal logic of the impact of credit funds of rural credit cooperatives on Farmers' income and organizational performance.
The third chapter is a summary of the situation of rural credit cooperatives in the sample area. This chapter takes the northern Jiangsu Province as an example to examine the changes in the management and development ability of the two sample area credit cooperatives during the period from 2002 to 2008 through the research method of the SDI (subsidy dependence index).
The fourth chapter, one of the perspectives of rural credit cooperatives' credit support agriculture: Farmers' level. Through the investigation of the decision-making behavior of rural credit cooperatives to farmers' credit supply in Northern Jiangsu Province, this paper analyzes the support for farmers' support to farmers by credit cooperatives. The specific factors of household credit supply behavior are analyzed, and its internal causes are analyzed. The impact of credit funds of rural credit cooperatives on Farmers' income is analyzed.
The fifth chapter, the two of the rural credit cooperatives' credit support agriculture perspective: the farmer's special organization level. This chapter mainly examines the credit behavior and credit scale of the Subei credit cooperatives to the farmers' professional cooperative economic organizations. Through the analysis of the supporting strength and the continuity of the farmers' Professional Cooperative organizations before and after the reform of the rural credit cooperatives, this chapter analyses the degree of the change of the continuity of the rural credit cooperatives. The problems existing in the credit fund of rural credit cooperatives in supporting the farmers' organization, and what factors affect the loan behavior of the rural credit cooperatives, and the impact of the credit funds on the management performance of the farmers' professional cooperative economic organizations, and the effectiveness of the agricultural credit cooperatives to support the agriculture.
The sixth chapter, the analysis of the impact of credit funds of rural credit cooperatives on the income of farmers, this chapter examines the continuity of the performance of agricultural credit cooperatives from the macro perspective. Through the time series model, it analyses whether the credit funds of the agricultural credit cooperatives to farmers' income are improved, and the changes in the performance of the farmers in different periods are analyzed.
The seventh chapter, research conclusions and policy recommendations.
Through the empirical analysis of credit support agriculture in rural credit cooperatives in Northern Jiangsu, the following conclusions are drawn:
(1) from the view of the SDI value of the credit cooperatives in the sample area, the trend of the credit cooperatives is gradually shrinking, the credit cooperatives' ability to operate and development is increasing year by year. The scale of the credit cooperatives is expanding year by year, the agricultural loans are increasing year by year, and the financial indexes of the rural credit cooperatives are all improved. In general, the operation performance of the credit cooperatives has been obviously changed. Good.
(2) an empirical analysis of the loan decision-making behavior of the rural credit cooperatives is carried out by the simultaneous equation model. The results show that the significant variables have the age of the owner of the household, whether the household owner is the village cadre and the family's fixed assets and the number of family labor. The relationship between the age of the household and the loan of the peasant households is negatively related, and whether the owner of the household is the village or not. There is a positive correlation between the Department and the farmers' access to the loan. The large fixed asset farmers can have a certain asset mortgage, which can easily obtain credit cooperatives. At the same time, the number of household labor force and the decision behavior of the credit cooperatives are positively related. The reform of village credit cooperatives can not significantly affect the decision-making behavior of financial institutions.
(3) this article examined the loan behavior of the rural credit cooperatives to the farmers' professional cooperative organizations through the samples of the northern Jiangsu Province, and made an empirical analysis of the loan behavior and the loan scale of the rural credit cooperatives by using the Heckman two step decision model. The results showed that the education degree of the main leaders of the organization was positively related to the loan behavior of the rural credit cooperatives; The annual average income of the fabric is positively related to the loan behavior of the rural credit cooperatives; the more the fixed assets, the stronger the risk resistance of the organization, the more willing the rural credit cooperatives to lend to the farmers' professional cooperatives. On the model of the loan scale of the credit cooperatives to the professional cooperative organizations of the farmers, the scale of fixed assets and the annual income of the region is the same. The distance between farmers' professional organizations and local credit cooperatives is inversely proportional to the credit scale of credit cooperatives.
(4) the credit fund of the rural credit cooperatives has a positive correlation with the income of farmers. In order to expand the production, the farmers must strengthen the investment in order to expand the production. As the only rural regular financial institution, the rural credit cooperatives are the main source of the farmers' credit funds, and the loan of farmers is in a certain extent beneficial to the farmers' income. The credit funds of the rural credit cooperatives are beneficial to the improvement of the performance of the farmers' professional cooperative economic organizations, the scale of the farmers' cooperative organizations and the development of the farmers' cooperative organizations.
(5) through the time series model to verify the effect of the credit cooperatives' credit funds on the income of rural households in 1990-2008 years, and to evaluate the performance of the rural credit cooperatives, based on the above research dimension, the conclusion shows that the farmers' loans issued by the rural credit cooperatives have a positive correlation with the farmers' income in the short term; in the long run, there is no one. The overall performance of rural credit cooperatives issued by rural credit cooperatives in Northern Jiangsu is low, and the function of farmers' loans to promote the increase of farmers' income has not been effectively exerted. For example, the growth of farmers' income does not show a continuous driving role, and the overall performance of their credit cooperatives loans is low.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2010
【分類號】：F832.43

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