本文選題：農(nóng)戶 + 農(nóng)戶借貸��； 參考：《四川農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：解決“三農(nóng)”問題的重點(diǎn)是促進(jìn)農(nóng)民增加收入,然而隨著農(nóng)村經(jīng)濟(jì)的快速發(fā)展,農(nóng)戶的經(jīng)營方式越來越多元化,資金對(duì)于農(nóng)村經(jīng)濟(jì)發(fā)展和農(nóng)戶的生產(chǎn)經(jīng)營也顯得尤為重要。農(nóng)戶呈現(xiàn)出資金需求的多樣化,借貸資金小額、期限短的特點(diǎn),農(nóng)村金融市場分為正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu),正規(guī)金融機(jī)構(gòu)中農(nóng)村信用社作為供給農(nóng)戶貸款資金的主要力量,但由于農(nóng)村信用社信貸約束高、自身的金融服務(wù)水平有限,不能更好的滿足農(nóng)戶多元化金融需求,非正規(guī)金融機(jī)構(gòu)在目前的農(nóng)村呈現(xiàn)出不規(guī)范的狀態(tài)。本文以河南省周口市為例,深入探討農(nóng)戶借貸行為的具體特點(diǎn)并分析存在的問題,對(duì)于農(nóng)村金融機(jī)構(gòu)提高效率、政策的完善、農(nóng)戶自身業(yè)務(wù)素質(zhì)的提高有一定的理論和現(xiàn)實(shí)意義。本文主要運(yùn)用了規(guī)范研究與實(shí)證研究、定性研究與定量研究相結(jié)合的方法,論文第一部分是導(dǎo)論,主要介紹研究背景、研究意義、國內(nèi)外研究綜述、相關(guān)概念界定以及研究方法等內(nèi)容,對(duì)整個(gè)文章做宏觀的指導(dǎo)；第二部分主要介紹相關(guān)的理論和原理,主要包括農(nóng)村借貸補(bǔ)貼理論、農(nóng)村金融市場理論、不完全競爭市場理論等,為論文的撰寫奠定理論基礎(chǔ)；第三部分分析周口市農(nóng)戶借貸特征的發(fā)展現(xiàn)狀,根據(jù)實(shí)地調(diào)查的數(shù)據(jù),分析周口市農(nóng)戶借貸行為的特征；第四部分根據(jù)上一部分的描述性統(tǒng)計(jì),分析周口市農(nóng)村借貸目前存在的問題；文章的最后一部分主要對(duì)全文進(jìn)行了總結(jié),并針對(duì)周口市農(nóng)村金融存在的問題分別從農(nóng)戶自身、金融機(jī)構(gòu)、政府提出相應(yīng)的對(duì)策意見。本文的研究思路從周口市農(nóng)戶借貸現(xiàn)狀出發(fā),分析當(dāng)前農(nóng)戶借貸過程中存在的問題及原因,針對(duì)問題提出相應(yīng)的對(duì)策建議。研究主要得出以下結(jié)論：(1)周口市農(nóng)戶借貸能力不足,農(nóng)戶的還款能力和擔(dān)保能力有限,這是農(nóng)戶從正規(guī)金融機(jī)構(gòu)“貸款難”的重要原因,另外,農(nóng)戶受教育水平普遍偏低,信用意識(shí)較差,為農(nóng)村金融市場健康發(fā)展留下了很大的隱患。(2)周口市農(nóng)村金融供給總體不足,農(nóng)村金融機(jī)構(gòu)網(wǎng)點(diǎn)較少,金融產(chǎn)品很單一,金融服務(wù)水平較低,這一點(diǎn)主要表現(xiàn)在與農(nóng)業(yè)相關(guān)的金融產(chǎn)品少,金融服務(wù)水平低,不能有效滿足周口農(nóng)村地區(qū)借貸的需求。(3)周口市農(nóng)村民間借貸很不規(guī)范,存在很大的風(fēng)險(xiǎn),威脅農(nóng)戶自身經(jīng)濟(jì)利益；政府存在監(jiān)管空白,農(nóng)業(yè)保險(xiǎn)發(fā)展不能起到有效作用,風(fēng)險(xiǎn)補(bǔ)償機(jī)制不健全。(4)針對(duì)周口市農(nóng)戶借貸存在的問題,認(rèn)為農(nóng)戶要加強(qiáng)自身信用意識(shí),改變傳統(tǒng)觀念,金融機(jī)構(gòu)要加大金融知識(shí)宣傳力度,開發(fā)更多的涉農(nóng)金融產(chǎn)品,同時(shí)提高辦貸效率,而政府要充分發(fā)揮財(cái)政資金的杠桿作用,推進(jìn)農(nóng)村金融機(jī)構(gòu)的多元化,同時(shí)致力于農(nóng)民貸款中的擔(dān)保問題。
[Abstract]:The key to solve the problem of "agriculture, countryside and farmers" is to promote farmers to increase their income. However, with the rapid development of rural economy, the management mode of farmers is becoming more and more diversified, and capital is especially important for the development of rural economy and the production and management of farmers. Farmers have diversified demand for funds, small loans and short maturities. The rural financial market is divided into formal financial institutions and informal financial institutions. In the formal financial institutions, the rural credit cooperatives as the main force to supply farmers' loan funds, but because of the high credit constraints of rural credit cooperatives, their own financial services are limited, so they can not better meet the diversified financial needs of farmers. Informal financial institutions in the current rural areas show an irregular state. Taking Zhoukou City, Henan Province as an example, this paper probes into the specific characteristics of farmers' lending behavior and analyzes the existing problems, which can improve the efficiency of rural financial institutions and improve the policy. The improvement of farmer's own professional quality has certain theoretical and practical significance. This paper mainly uses the methods of normative research and empirical research, qualitative research and quantitative research. The first part of the paper is an introduction, mainly introduces the research background, research significance, domestic and foreign research review. The second part mainly introduces the relevant theories and principles, including the rural loan subsidy theory, rural financial market theory, and so on. The third part analyzes the current situation of the development of farmers' lending characteristics in Zhoukou City, and analyzes the characteristics of the lending behavior of farmers in Zhoukou City according to the field investigation data. According to the descriptive statistics in the last part, the fourth part analyzes the existing problems of rural lending in Zhoukou City. The last part of the article summarizes the whole paper, and aims at the problems of rural finance in Zhoukou City from the farmers themselves. Financial institutions, the government put forward the corresponding countermeasures. Based on the present situation of farmers' borrowing in Zhoukou City, this paper analyzes the existing problems and reasons in the process of farmers' borrowing and puts forward corresponding countermeasures and suggestions. The main conclusions are as follows: (1) the farmers in Zhoukou City have insufficient borrowing capacity and limited repayment ability and guarantee ability, which is an important reason why it is difficult for farmers to get loans from formal financial institutions. In addition, the education level of farmers is generally low. The poor credit consciousness has left a great hidden danger for the healthy development of rural financial market. (2) the rural financial supply in Zhoukou City is generally insufficient, the rural financial institutions have fewer networks, the financial products are very single, and the level of financial services is low. This is mainly manifested in the lack of agriculture-related financial products, the low level of financial services, and the inability to effectively meet the demand for loans in Zhoukou rural areas. (3) Rural folk lending in Zhoukou City is very irregular, and there are great risks. It threatens farmers' economic interests, the government has no supervision, the development of agricultural insurance can not play an effective role, and the risk compensation mechanism is not perfect. (4) aiming at the problems existing in farmers' borrowing in Zhoukou City, the author thinks that farmers should strengthen their own credit consciousness. To change the traditional concept, financial institutions should increase the propaganda of financial knowledge, develop more agriculture-related financial products, and improve the efficiency of lending, while the government should give full play to the leverage of financial funds and promote the diversification of rural financial institutions. At the same time committed to the issue of guarantee in farmers' loans.
【學(xué)位授予單位】：四川農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43;F323.6

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