【摘要】：隨著農(nóng)村經(jīng)濟(jì)的不斷發(fā)展與我國對農(nóng)村的深入改革,我國農(nóng)業(yè)結(jié)構(gòu)開始得到快速調(diào)整,農(nóng)戶對資金的需求更強(qiáng)烈,農(nóng)戶借貸行為的發(fā)也更為頻繁。但是在我國,由于農(nóng)村金融市場受到嚴(yán)格管制,壓抑了農(nóng)戶對借貸的需求,農(nóng)戶的需求在很大程度上得不到滿足。因此,研究農(nóng)戶借貸行為對于農(nóng)村經(jīng)濟(jì)的發(fā)展,具有非常重大的現(xiàn)實(shí)意義。 農(nóng)戶是農(nóng)村經(jīng)濟(jì)發(fā)展過程中的主體,農(nóng)戶對資金的需求伴隨著農(nóng)村經(jīng)濟(jì)的發(fā)展而不斷增強(qiáng),但是由于金融機(jī)構(gòu)自身以及外面的原因,導(dǎo)致目前農(nóng)戶的融資行為受到嚴(yán)重抑制。因此,需要借助于更多的金融形式來滿足農(nóng)戶對資金的需求,引導(dǎo)農(nóng)戶合理的發(fā)生借貸行為。農(nóng)戶借貸行為的研究是農(nóng)村金融研究中的重難點(diǎn),本論文以郴州市農(nóng)戶的借貸行為為主要研究對象進(jìn)行實(shí)證研究。 本文首先分析了郴州市農(nóng)戶借貸行為的現(xiàn)狀,了解到郴州市農(nóng)戶借貸的情況、農(nóng)戶借貸的來源、農(nóng)戶的收入情況、農(nóng)戶借貸資金的用途、借貸規(guī)模、借貸利率等；其次,分析了影響農(nóng)戶借貸行為的主要影響因素,主要包括金融服務(wù)水平、借貸利息率、農(nóng)戶收入水平、農(nóng)戶自有資產(chǎn)狀況、農(nóng)戶生產(chǎn)經(jīng)營規(guī)模等；再次,深入分析了當(dāng)前郴州市農(nóng)戶借貸行為中存在的問題。最后,針對郴州市農(nóng)戶借貸行為存在的問題提出了相應(yīng)的對策建議,希望通過這些手段能夠促進(jìn)農(nóng)村經(jīng)濟(jì)和新農(nóng)村建設(shè)的發(fā)展。
[Abstract]:With the continuous development of rural economy and the in-depth reform of rural areas in China, the agricultural structure of our country has begun to be adjusted rapidly, the demand for funds is stronger, and the lending behavior of farmers is more frequent. However, in our country, due to the strict regulation of the rural financial market, the demand of farmers for loans is suppressed, and the demand of farmers can not be met to a large extent. Therefore, it is of great practical significance to study the borrowing behavior of farmers for the development of rural economy. Farmers are the main body in the process of rural economic development, and the demand for funds is increasing with the development of rural economy. However, due to the reasons of the financial institutions themselves and outside, the financing behavior of farmers is seriously restrained at present. Therefore, it is necessary to use more financial forms to meet the needs of farmers for funds and guide farmers to borrow reasonably. The study of farmers' lending behavior is an important and difficult point in rural finance research. This paper takes the lending behavior of farmers in Chenzhou City as the main research object to carry on the empirical research. First of all, this paper analyzes the current situation of farmers' lending behavior in Chenzhou City, and understands the situation of Chenzhou farmers' borrowing, the source of farmers' borrowing, the income of farmers, the use of farmers' borrowing funds, the scale of borrowing, the lending interest rate and so on. Secondly, it analyzes the main influencing factors of farmers' lending behavior, including financial service level, loan interest rate, farmers' income level, farmers' own assets, farmers' production and management scale and so on. Thirdly, the problems existing in the borrowing behavior of farmers in Chenzhou City are deeply analyzed. Finally, in view of the problems existing in the borrowing behavior of farmers in Chenzhou City, this paper puts forward some corresponding countermeasures and suggestions, hoping that these means can promote the development of rural economy and new rural construction.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 袁鳳;林甸縣農(nóng)戶還貸影響因素研究[D];東北農(nóng)業(yè)大學(xué);2013年

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本文編號：2481835