【摘要】：農(nóng)戶缺乏生產(chǎn)發(fā)展資金，從金融機(jī)構(gòu)貸款又缺乏擔(dān)保人或抵押擔(dān)保物，抵押擔(dān)保難制約農(nóng)村信貸供給。農(nóng)戶貸款擔(dān)保是亟待解決的一個(gè)重要課題，本研究從農(nóng)戶、金融機(jī)構(gòu)和外部環(huán)境等方面研究農(nóng)戶貸款擔(dān)保的影響因素，并提出解決農(nóng)戶貸款擔(dān)保問題的對(duì)策。本研究為改善農(nóng)村金融供給提供決策參考依據(jù)，為金融機(jī)構(gòu)在支農(nóng)過程中推動(dòng)并實(shí)現(xiàn)自身經(jīng)濟(jì)效益提供更多創(chuàng)新、發(fā)展的思路，幫助緩解農(nóng)戶貸款難的問題。 本研究著重就農(nóng)戶貸款擔(dān)保問題展開，一方面，通過對(duì)現(xiàn)有相關(guān)文獻(xiàn)進(jìn)行梳理，提出農(nóng)戶貸款擔(dān)保影響因素的理論分析框架，對(duì)農(nóng)戶擔(dān)�？赡艿挠绊懸蛩剡M(jìn)行理論分析。另一方面，，基于福建省金融機(jī)構(gòu)與農(nóng)戶兩個(gè)層面的調(diào)查，使用描述性統(tǒng)計(jì)分析，探究農(nóng)戶信貸擔(dān)保現(xiàn)狀。接著，通過建立模型，從農(nóng)戶、金融、政府及其它主體等方面對(duì)影響農(nóng)戶貸款擔(dān)保的各因素進(jìn)行了實(shí)證分析研究，找出農(nóng)戶貸款擔(dān)保中存在顯著性影響因素。 研究利用福建農(nóng)戶問卷調(diào)查數(shù)據(jù)及金融機(jī)構(gòu)數(shù)據(jù)，使用描述性統(tǒng)計(jì)分析方法，從金融機(jī)構(gòu)和1736份農(nóng)戶調(diào)查問卷獲得信息，分析農(nóng)戶貸款擔(dān)�，F(xiàn)狀。運(yùn)用文獻(xiàn)法及擔(dān)保理論考查農(nóng)戶信貸擔(dān)保的可能影響因素。運(yùn)用198份信貸專家問卷調(diào)查數(shù)據(jù)資料，通過順序模型分析農(nóng)戶貸款擔(dān)保的顯著影響因素，對(duì)農(nóng)戶貸款擔(dān)保的影響因素進(jìn)行定量實(shí)證研究。 研究發(fā)現(xiàn)，當(dāng)前金融機(jī)構(gòu)積極創(chuàng)新農(nóng)戶信貸擔(dān)保方式，拓寬擔(dān)保范圍，但是，抵押與質(zhì)押依然不能成為農(nóng)戶信貸可得性的主要擔(dān)保品種，農(nóng)戶信貸擔(dān)保以保證與信用貸款為主。農(nóng)戶能提供的有效擔(dān)保資產(chǎn)較少，弱勢農(nóng)戶群體難以獲取擔(dān)保機(jī)構(gòu)擔(dān)保服務(wù)并難求自然人擔(dān)保。農(nóng)戶信貸擔(dān)保受到政府對(duì)農(nóng)戶信用擔(dān)保的扶持政策、銀行信貸管理政策、農(nóng)戶自身因素（農(nóng)戶信用、農(nóng)戶家庭收入、農(nóng)戶家庭資產(chǎn)、農(nóng)戶個(gè)人特征等）、農(nóng)業(yè)保險(xiǎn)、資產(chǎn)評(píng)估和產(chǎn)權(quán)登記制度等影響。順序模型結(jié)果顯示擔(dān)保扶持政策、農(nóng)業(yè)保險(xiǎn)、農(nóng)戶資產(chǎn)、農(nóng)戶信用等這4個(gè)因素對(duì)農(nóng)戶貸款擔(dān)保影響顯著。據(jù)此，研究認(rèn)為，應(yīng)從加大信用擔(dān)保政策的扶持力度、完善農(nóng)業(yè)政策性保險(xiǎn)、健全農(nóng)村信用體系、完善產(chǎn)權(quán)制度幾個(gè)方面來解決農(nóng)戶信貸擔(dān)保問題。
[Abstract]:Farmers lack of production and development funds, loan from financial institutions and lack of guaranty or collateral, mortgage guarantee is difficult to restrict the supply of rural credit. Peasant household loan guarantee is an important subject to be solved urgently. This study studies the influencing factors of peasant household loan guarantee from the aspects of farmers, financial institutions and external environment, and puts forward some countermeasures to solve the problem of peasant household loan guarantee. This study provides a reference basis for improving the rural financial supply, provides more innovation and development ideas for financial institutions to promote and realize their own economic benefits in the process of supporting agriculture, and helps alleviate the problem of farmers' loan difficulties. This research focuses on the issue of farmers' loan guarantee. On the one hand, through combing the existing relevant literature, the paper puts forward the theoretical analysis framework of the influencing factors of farmers' loan guarantee, and makes a theoretical analysis of the possible influencing factors of farmers' loan guarantee. On the other hand, based on the investigation of financial institutions and farmers in Fujian Province, this paper uses descriptive statistical analysis to explore the current situation of farmers' credit guarantee. Then, through the establishment of a model, from the farmers, finance, government and other aspects of the impact of farmers' loan guarantee of the empirical analysis of the factors, find out that there are significant factors in the farmers' loan guarantee. Based on the data of questionnaire survey and financial institution in Fujian province, this paper uses descriptive statistical analysis method to obtain information from financial institutions and 1736 peasant household questionnaires to analyze the current situation of loan guarantee for farmers. Using the literature method and the guarantee theory to examine the possible influencing factors of farmers' credit guarantee. Based on 198 questionnaires of credit experts, this paper analyzes the significant influencing factors of farmers' loan guarantee by order model, and makes a quantitative and empirical study on the influencing factors of farmers' loan guarantee. It is found that the current financial institutions actively innovate the way of farmers' credit guarantee and widen the scope of guarantee. However, mortgage and pledge still can not become the main kinds of guarantee for the availability of farmers' credit, and the guarantee and credit loan is the main guarantee of peasant household credit guarantee. Farmers can provide less effective guarantee assets, and it is difficult for the vulnerable farmers to obtain the guarantee services of guarantee institutions and the guarantee of natural persons. Farmers' credit guarantee is supported by the government's policy of supporting farmers' credit guarantee, bank credit management policy, farmers' own factors (peasant household credit, household income, household assets, individual characteristics of farmers, etc.), agricultural insurance, etc. Assets evaluation and property rights registration system and so on influence. The results of the sequential model show that the four factors, such as guarantee support policy, agricultural insurance, peasant household assets and peasant household credit, have a significant impact on the guarantee of farmers' loan. According to the research, we should solve the problem of peasant household credit guarantee from several aspects, such as increasing the support of credit guarantee policy, perfecting agricultural policy insurance, perfecting rural credit system and perfecting property right system.
【學(xué)位授予單位】：福建農(nóng)林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.43;F224

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