【摘要】：隨著農(nóng)村經(jīng)濟(jì)的不斷發(fā)展和我國(guó)對(duì)農(nóng)村的深入改革，我國(guó)農(nóng)業(yè)的結(jié)構(gòu)得到了快速的調(diào)整，農(nóng)戶對(duì)資金的需求更為強(qiáng)烈，農(nóng)戶借貸行為也發(fā)生的更為頻繁，但是由于農(nóng)戶自身情況、農(nóng)業(yè)生產(chǎn)條件和自然災(zāi)害等方面的影響造成農(nóng)村信用社的不良貸款所占比例有所提高，因此，研究如何提高農(nóng)戶還貸能力具有一定的現(xiàn)實(shí)意義。 農(nóng)戶是農(nóng)村經(jīng)濟(jì)發(fā)展過(guò)程中的主體，農(nóng)戶借貸行為更是農(nóng)村金融研究的重點(diǎn)，而關(guān)于農(nóng)戶還貸行為的研究也是不容忽視的，本文是以大慶市林甸縣的農(nóng)戶還貸行為為主要研究對(duì)象，首先通過(guò)問(wèn)卷調(diào)查的形式對(duì)大慶市林甸縣隨機(jī)抽取的182戶農(nóng)戶進(jìn)行調(diào)查訪談，進(jìn)而對(duì)林甸縣農(nóng)戶貸款的現(xiàn)狀進(jìn)行了解，其中包括林甸縣的經(jīng)濟(jì)發(fā)展?fàn)顩r、林甸縣農(nóng)戶借貸的基本情況、農(nóng)戶借款的來(lái)源、資金的用途以及農(nóng)戶的還貸狀況。其次，分析了影響農(nóng)戶還貸行為的因素，主要包括：一是農(nóng)戶的自身特征，就是農(nóng)戶戶主的年齡、家庭成員、勞動(dòng)力數(shù)以及文化程度等。二是農(nóng)戶的收入，不同類型的農(nóng)戶收入來(lái)源不同，在此我們根據(jù)農(nóng)戶收入來(lái)源的差異將農(nóng)戶劃分為四種類型，收入作為農(nóng)戶的還款來(lái)源對(duì)農(nóng)戶還貸是存在較大影響的。三是農(nóng)業(yè)生產(chǎn)條件和農(nóng)業(yè)科技對(duì)農(nóng)戶還貸的影響。四是自然災(zāi)害對(duì)農(nóng)戶還貸產(chǎn)生的影響。五是農(nóng)村信用社方面對(duì)農(nóng)戶還貸的影響，包括貸款種類單一、貸款約期不合理和網(wǎng)點(diǎn)距離農(nóng)戶較遠(yuǎn)等。再次，借鑒了江西省婺源縣農(nóng)村信用社提高農(nóng)戶還貸的主要做法以及婺源縣政府在農(nóng)戶貸款方面的扶持政策。最后，本文從農(nóng)戶自身意識(shí)、政府的扶持政策以及農(nóng)村信用社三方面提出了改善大慶市林甸縣農(nóng)戶還貸狀況的建議，包括提高農(nóng)戶的還款意識(shí)、加強(qiáng)對(duì)農(nóng)村勞動(dòng)力的職業(yè)技能培訓(xùn)、加強(qiáng)農(nóng)村基礎(chǔ)設(shè)施建設(shè)、鼓勵(lì)農(nóng)民外出打工、推進(jìn)旅游業(yè)發(fā)展，，開(kāi)辦“農(nóng)家樂(lè)”、加大對(duì)自然災(zāi)害救濟(jì)的投入力度以及完善社會(huì)保障體系，農(nóng)村信用社方面則包括適時(shí)推出農(nóng)戶需要的貸款新品鐘、提高農(nóng)信社的經(jīng)營(yíng)管理能力，將信貸服務(wù)擴(kuò)展到責(zé)任服務(wù)以及建立一個(gè)服務(wù)于農(nóng)戶和農(nóng)信社的完善信用評(píng)級(jí)制度，最后希望可以通過(guò)這些手段提高農(nóng)戶的還款率。
[Abstract]:With the continuous development of rural economy and the deepening reform of rural areas in China, the structure of agriculture in China has been adjusted rapidly, the demand of farmers for funds is stronger, and the behavior of farmers' borrowing has also occurred more frequently. However, the proportion of non-performing loans in rural credit cooperatives has been increased due to the influence of farmers' own conditions, agricultural production conditions and natural disasters. Therefore, it is of practical significance to study how to improve farmers' ability to repay loans. Peasant households are the main body in the process of rural economic development, and farmers' lending behavior is the focus of rural finance research, and the research on farmers' loan repayment behavior should not be ignored. This paper takes the behavior of farmers' loan repayment in Lindian County of Daqing City as the main research object. Firstly, through the form of questionnaire survey, 182 households randomly selected from Lindian County of Daqing City are investigated and interviewed, and then the present situation of farmers' loans in Lindian County is understood. It includes the economic development of Lindian County, the basic situation of farmers' borrowing in Lindian County, the sources of farmers' loans, the use of funds and the repayment of loans by farmers. Secondly, it analyzes the factors that affect the behavior of farmers' repayment of loans, including: first, the characteristics of farmers, that is, the age of household heads, the number of family members, the number of labor force and the level of education, and so on. Second, the income of farmers, different types of farmers' income sources are different, we divide the farmers into four types according to the differences in the sources of farmers' income, income as a source of repayment of farmers has a greater impact on the repayment of loans to farmers. Third, agricultural production conditions and agricultural science and technology to farmers to repay the impact of loans. Fourth, the impact of natural disasters on farmers to repay loans. Fifth, the impact of rural credit cooperatives on farmers' repayment of loans, including the single type of loans, the unreasonable loan period and the distance between the network and farmers, and so on. Thirdly, the paper draws lessons from rural credit cooperatives of Wuyuan County, Jiangxi Province to improve the main practices of farmers to repay loans and the support policy of the government of Wuyuan County in the aspect of farmers' loans. Finally, this paper puts forward some suggestions on how to improve the situation of farmers' repayment of loans in Lindian County, Daqing City, from the aspects of farmers' own consciousness, government's supporting policy and rural credit cooperatives, including raising the farmers' repayment consciousness. We will strengthen vocational skills training for the rural labor force, strengthen rural infrastructure construction, encourage peasants to go out to work, promote the development of tourism, set up "farm joy", increase investment in natural disaster relief, and improve the social security system. On the other hand, the rural credit cooperatives include the timely introduction of the new loan bell needed by farmers, the improvement of the management ability of the rural credit cooperatives, the extension of credit services to the responsible services, and the establishment of a sound credit rating system serving the farmers and the rural credit cooperatives. Finally, I hope to improve the repayment rate of farmers through these means.
【學(xué)位授予單位】：東北農(nóng)業(yè)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10條

1 陳玲;;農(nóng)戶聯(lián)保貸款模式中影響還款因素的博弈分析——兼議對(duì)郵儲(chǔ)銀行的意義[J];北京郵電大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2008年02期

2 呂德宏;呂京娣;;西部農(nóng)戶小額信貸還款率影響因素分析[J];商業(yè)研究;2011年07期

3 李正波;高杰;;農(nóng)戶信用社貸款的信用風(fēng)險(xiǎn)判別分析[J];山東工商學(xué)院學(xué)報(bào);2007年01期

4 劉啟強(qiáng);陳崢;;近代廣西鄉(xiāng)村民間借貸利率結(jié)構(gòu)特點(diǎn)分析[J];滄桑;2011年04期

5 李延敏;;不同類型農(nóng)戶借貸行為特征[J];財(cái)經(jīng)科學(xué);2008年07期

6 馬文勤;孔榮;楊秀珍;;農(nóng)戶小額信貸信用風(fēng)險(xiǎn)評(píng)估模型構(gòu)建[J];財(cái)會(huì)月刊;2009年36期

7 趙巖青;何廣文;;聲譽(yù)機(jī)制、信任機(jī)制與小額信貸[J];金融論壇;2008年01期

8 曾露;俞力佳;;農(nóng)戶收入來(lái)源多樣化及增收途徑[J];東方企業(yè)文化;2010年08期

9 石志平;張文棋;;農(nóng)戶信貸需求與信貸行為影響因素實(shí)證研究——基于福建省農(nóng)戶的調(diào)查[J];東南學(xué)術(shù);2012年03期

10 賴永文;劉偉平;;農(nóng)戶信用影響因素分析——基于福建的實(shí)證研究[J];福建金融;2012年04期

相關(guān)博士學(xué)位論文 前1條

1 張平;中國(guó)農(nóng)村小額信貸風(fēng)險(xiǎn)管理研究[D];西北農(nóng)林科技大學(xué);2012年

相關(guān)碩士學(xué)位論文 前2條

1 崔軍揚(yáng);吉林省農(nóng)村信用社農(nóng)戶貸款違約的影響因素分析[D];吉林大學(xué);2011年

2 馮薪銘;郴州市農(nóng)戶借貸行為研究[D];湖南農(nóng)業(yè)大學(xué);2012年

本文編號(hào)：2350197