農(nóng)戶融資困境問題研究
發(fā)布時間：2018-10-19 09:28
【摘要】：我國是城鄉(xiāng)經(jīng)濟結(jié)構(gòu)二元化比較明顯的國家,絕大多數(shù)的農(nóng)村還處于較低的經(jīng)濟發(fā)展水平,農(nóng)戶普遍還是進行一家一戶的分散、小規(guī)模經(jīng)營,農(nóng)戶融資具有額度小、頻率高、管理難度大、風(fēng)險和交易成本高等特點,這決定了農(nóng)村金融機構(gòu)對服務(wù)農(nóng)村經(jīng)濟退避三舍,農(nóng)村金融資源的供給無法滿足和適應(yīng)農(nóng)業(yè)、農(nóng)村經(jīng)濟發(fā)展的實際需要,農(nóng)戶是很難獲得農(nóng)村金融機構(gòu)的資金支持和垂青,造成農(nóng)戶融資困境。農(nóng)戶融資困境成為是制約農(nóng)民收入提高、阻礙現(xiàn)代農(nóng)業(yè)發(fā)展、困擾農(nóng)村經(jīng)濟發(fā)展的核心問題。通過對農(nóng)戶融資困境問題進行研究,化解農(nóng)戶融資困境,成為提高農(nóng)戶收入水平、實現(xiàn)農(nóng)村經(jīng)濟持續(xù)增長和農(nóng)業(yè)現(xiàn)代化長期發(fā)展的良策,是縮小貧富差距、統(tǒng)籌城鄉(xiāng)協(xié)調(diào)發(fā)展和構(gòu)建和諧社會的有利之舉。研究農(nóng)戶融資困境問題,具有重要的現(xiàn)實和理論意義。 本研究從微觀的經(jīng)濟主體——農(nóng)戶角度出發(fā),探討我國農(nóng)戶融資困境問題。首先系統(tǒng)總結(jié)金融發(fā)展理論、農(nóng)村金融理論、信息不對稱理論、交易成本理論和不完全契約理論等理論,確定農(nóng)戶融資的理論基礎(chǔ)。然后,通過實證分析探究我國農(nóng)戶融資與農(nóng)業(yè)增長、減貧的關(guān)系,揭示農(nóng)戶融資的重要性。再以湖南省QY縣為例,從農(nóng)戶融資意愿、農(nóng)戶融資目的、農(nóng)戶融資渠道、農(nóng)戶融資風(fēng)險、農(nóng)戶融資效應(yīng)五個方面,分析目前農(nóng)戶融資現(xiàn)狀。 接著,從農(nóng)戶向正規(guī)金融融資困境的表現(xiàn)和向民間金融融資困境的表現(xiàn)兩個方面深入分析農(nóng)戶融資困境的表現(xiàn)。隨后,深入分析農(nóng)戶自身稟賦狀況對農(nóng)戶融資影響。通過QY個案運用多元Logit模型對農(nóng)戶融資影響因素進行實證分析,并從宏觀視角對造成農(nóng)戶融資困境的農(nóng)戶自身原因進行深入探討,以期對農(nóng)戶自身稟賦狀況影響農(nóng)戶融資有一個更為全面的認(rèn)識。接著,分別闡述了農(nóng)戶融資面臨的農(nóng)村金融體系與外部環(huán)境。農(nóng)村金融體系包括正規(guī)農(nóng)村金融和非(準(zhǔn))正規(guī)金融兩個方面,分析體系中每個農(nóng)村金融機構(gòu)在農(nóng)戶融資中的作用,探討當(dāng)前農(nóng)村金融體系對農(nóng)戶融資造成的影響及分析造成農(nóng)戶融資困境的金融環(huán)境原因。農(nóng)戶融資面臨的外部環(huán)境是實現(xiàn)農(nóng)戶融資的重要條件,從政府政策環(huán)境、法律法規(guī)環(huán)境、農(nóng)村信用體系、農(nóng)業(yè)保險體系及其他外部環(huán)境等方面分析農(nóng)戶融資面臨的外部環(huán)境。 農(nóng)戶融資活動是一個系統(tǒng)活動,農(nóng)戶自身與金融組織屬于系統(tǒng)內(nèi)的部分,而外部環(huán)境屬于系統(tǒng)外的部分。如果農(nóng)戶自身與金融組織都沒有阻礙農(nóng)戶順利融資,再加上有利的外部環(huán)境,那么農(nóng)戶就會成功地實現(xiàn)融資,也不會存在什么農(nóng)戶融資困境之說。最后,為實現(xiàn)農(nóng)戶順利融資,更好地促進農(nóng)戶收入的提高,推進我國的農(nóng)村經(jīng)濟甚至整個國民經(jīng)濟的發(fā)展服務(wù),從農(nóng)戶自身原因、金融原因和外部原因等三個方面有針對性地提出化解農(nóng)戶融資困境的對策建議。
[Abstract]:China is a country with a distinct dual economic structure between urban and rural areas. Most of the rural areas are still in a low level of economic development. The characteristics of difficult management, high risk and high transaction cost have determined that rural financial institutions are unable to meet and adapt to the actual needs of agriculture and the development of rural economy because of the retreat of rural financial institutions to serve the rural economy, and the supply of rural financial resources cannot meet and adapt to the actual needs of agriculture, rural economic development, and so on. It is difficult for farmers to obtain financial support from rural financial institutions, which leads to farmers' financing difficulties. Farmers' financing dilemma is the core problem that restricts the increase of farmers' income, hinders the development of modern agriculture and puzzles the development of rural economy. Through the research on the financing dilemma of farmers, resolving the financing dilemma of farmers becomes a good way to improve the income level of farmers, realize the sustained growth of rural economy and the long-term development of agricultural modernization, and narrow the gap between the rich and the poor. Coordinated development of urban and rural areas and the construction of a harmonious society. It is of great practical and theoretical significance to study the financing dilemma of farmers. From the point of view of micro-economic subject-peasant household, this paper discusses the financing dilemma of farmers in China. Firstly, the theories of financial development, rural finance, information asymmetry, transaction cost and incomplete contract are systematically summarized to determine the theoretical basis of farmers' financing. Then, the paper explores the relationship between peasant household financing and agricultural growth and poverty reduction through empirical analysis, and reveals the importance of peasant household financing. Taking QY County of Hunan Province as an example, this paper analyzes the present situation of farmers' financing from five aspects: the willingness of farmers to finance, the purpose of farmers' financing, the financing channels of farmers, the risks of farmers' financing, and the effects of farmers' financing. Then, the paper analyzes the performance of farmers' financing dilemma from two aspects: the performance of farmers' financial distress to the formal finance and the performance of the financial distress to the private finance. Then, the paper deeply analyzes the influence of farmers' natural endowment on farmers' financing. This paper makes an empirical analysis on the influencing factors of farmers' financing by using multiple Logit model through QY case, and probes into the causes of farmers' financing difficulties from the macro perspective. In order to have a more comprehensive understanding of the impact of farmers' own endowment status on farmers' financing. Then, the paper expounds the rural financial system and external environment. The rural financial system includes formal rural finance and non-formal finance. This paper probes into the influence of the current rural financial system on the farmers' financing and analyzes the causes of the financial environment which leads to the farmers' financing difficulties. The external environment of farmers' financing is an important condition for farmers' financing. This paper analyzes the external environment of farmers' financing from the aspects of government policy environment, laws and regulations environment, rural credit system, agricultural insurance system and other external environment. Peasant household financing is a systematic activity. Farmers themselves and financial organizations belong to the part of the system, while the external environment belongs to the part outside the system. If the farmers themselves and financial organizations do not hinder the smooth financing of farmers, plus the favorable external environment, then farmers will successfully achieve financing, and there will not be any difficulties in the financing of farmers. Finally, in order to achieve the smooth financing of farmers, to better promote the increase of farmers' income, to promote the development and service of our rural economy and even the whole national economy, from the farmers' own reasons, Three aspects, financial reasons and external reasons, put forward countermeasures and suggestions to resolve farmers' financing predicament.
【學(xué)位授予單位】：湖南農(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
本文編號：2280744
[Abstract]:China is a country with a distinct dual economic structure between urban and rural areas. Most of the rural areas are still in a low level of economic development. The characteristics of difficult management, high risk and high transaction cost have determined that rural financial institutions are unable to meet and adapt to the actual needs of agriculture and the development of rural economy because of the retreat of rural financial institutions to serve the rural economy, and the supply of rural financial resources cannot meet and adapt to the actual needs of agriculture, rural economic development, and so on. It is difficult for farmers to obtain financial support from rural financial institutions, which leads to farmers' financing difficulties. Farmers' financing dilemma is the core problem that restricts the increase of farmers' income, hinders the development of modern agriculture and puzzles the development of rural economy. Through the research on the financing dilemma of farmers, resolving the financing dilemma of farmers becomes a good way to improve the income level of farmers, realize the sustained growth of rural economy and the long-term development of agricultural modernization, and narrow the gap between the rich and the poor. Coordinated development of urban and rural areas and the construction of a harmonious society. It is of great practical and theoretical significance to study the financing dilemma of farmers. From the point of view of micro-economic subject-peasant household, this paper discusses the financing dilemma of farmers in China. Firstly, the theories of financial development, rural finance, information asymmetry, transaction cost and incomplete contract are systematically summarized to determine the theoretical basis of farmers' financing. Then, the paper explores the relationship between peasant household financing and agricultural growth and poverty reduction through empirical analysis, and reveals the importance of peasant household financing. Taking QY County of Hunan Province as an example, this paper analyzes the present situation of farmers' financing from five aspects: the willingness of farmers to finance, the purpose of farmers' financing, the financing channels of farmers, the risks of farmers' financing, and the effects of farmers' financing. Then, the paper analyzes the performance of farmers' financing dilemma from two aspects: the performance of farmers' financial distress to the formal finance and the performance of the financial distress to the private finance. Then, the paper deeply analyzes the influence of farmers' natural endowment on farmers' financing. This paper makes an empirical analysis on the influencing factors of farmers' financing by using multiple Logit model through QY case, and probes into the causes of farmers' financing difficulties from the macro perspective. In order to have a more comprehensive understanding of the impact of farmers' own endowment status on farmers' financing. Then, the paper expounds the rural financial system and external environment. The rural financial system includes formal rural finance and non-formal finance. This paper probes into the influence of the current rural financial system on the farmers' financing and analyzes the causes of the financial environment which leads to the farmers' financing difficulties. The external environment of farmers' financing is an important condition for farmers' financing. This paper analyzes the external environment of farmers' financing from the aspects of government policy environment, laws and regulations environment, rural credit system, agricultural insurance system and other external environment. Peasant household financing is a systematic activity. Farmers themselves and financial organizations belong to the part of the system, while the external environment belongs to the part outside the system. If the farmers themselves and financial organizations do not hinder the smooth financing of farmers, plus the favorable external environment, then farmers will successfully achieve financing, and there will not be any difficulties in the financing of farmers. Finally, in order to achieve the smooth financing of farmers, to better promote the increase of farmers' income, to promote the development and service of our rural economy and even the whole national economy, from the farmers' own reasons, Three aspects, financial reasons and external reasons, put forward countermeasures and suggestions to resolve farmers' financing predicament.
【學(xué)位授予單位】：湖南農(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
【引證文獻】
相關(guān)碩士學(xué)位論文 前3條
1 彭茂林;馬克思虛擬資本理論視角下農(nóng)戶融資研究[D];東華理工大學(xué);2013年
2 王云;基于金融功能觀構(gòu)建湖南省農(nóng)村金融體系的新模式研究[D];中南林業(yè)科技大學(xué);2013年
3 潘滿蘭;辰溪縣小微企業(yè)融資困境分析[D];湖南農(nóng)業(yè)大學(xué);2013年
，本文編號：2280744
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