本文選題：農(nóng)戶　切入點：信用風(fēng)險　出處：《內(nèi)蒙古農(nóng)業(yè)大學(xué)》2016年碩士論文

【摘要】：農(nóng)村金融是我國金融體系的重要組成部分。2015年,中央一號文件明確指出,我國經(jīng)濟(jì)發(fā)展進(jìn)入新常態(tài),如何在經(jīng)濟(jì)增速放緩的新背景下繼續(xù)加強(qiáng)農(nóng)業(yè)基礎(chǔ)地位,促進(jìn)農(nóng)民持續(xù)增收,是必須破解的一個重大課題。其中,解決農(nóng)戶貸款難問題是“三農(nóng)”建設(shè)的關(guān)鍵環(huán)節(jié)。我國農(nóng)村小額信貸的供給呈逐年減少的趨勢。這是由農(nóng)戶貸款金額少、操作成本高、預(yù)期收益低、信用風(fēng)險不確定等特點決定的。問題的源頭在于涉農(nóng)金融機(jī)構(gòu)對農(nóng)戶的信用難以進(jìn)行科學(xué)的判斷,也就難以控制農(nóng)戶的貸款風(fēng)險。目前,各涉農(nóng)金融機(jī)構(gòu)對影響農(nóng)戶信用的因素認(rèn)識不統(tǒng)一,評判標(biāo)準(zhǔn)缺乏科學(xué)性和完整性。因此,如何運用現(xiàn)有的農(nóng)戶已到期貸款相關(guān)資料,對可能影響農(nóng)戶信用的因素進(jìn)行科學(xué)合理的分析,是一個有現(xiàn)實意義和經(jīng)濟(jì)意義的課題。本研究基于農(nóng)戶家庭特征、償債能力、經(jīng)營情況、貸款情況、信譽(yù)情況六個方面,對影響呼和浩特市農(nóng)戶信用的因素進(jìn)行統(tǒng)計性描述分析,并根據(jù)收集的數(shù)據(jù),使用Logistic回歸模型分析影響呼和浩特市農(nóng)戶信用的顯著性因素。根據(jù)分析結(jié)果,得出農(nóng)戶信用水平不佳的原因主要有農(nóng)村醫(yī)療保障制度不健全、農(nóng)耕生產(chǎn)風(fēng)險較大、農(nóng)戶增收渠道不暢、農(nóng)戶社會資本情況不佳和農(nóng)戶缺乏有效地抵押和擔(dān)保。根據(jù)以上原因提出了健全農(nóng)村醫(yī)療保障制度、推廣農(nóng)業(yè)保險、拓寬農(nóng)戶增收渠道、創(chuàng)新農(nóng)業(yè)信貸產(chǎn)品和優(yōu)化農(nóng)村“信用”環(huán)境等提高農(nóng)戶信用的措施。
[Abstract]:Rural finance is an important part of China's financial system. In 2015, the No. 1 document of the Central Committee clearly pointed out that China's economic development has entered a new normal, and how to continue to strengthen the basic position of agriculture under the new background of slowing economic growth.Promote farmer to increase income continuously, it is an important subject that must crack.Among them, solve farmer loan difficult problem is the key link of construction of "agriculture, countryside and farmers".The supply of rural microfinance in China is decreasing year by year.This is determined by the characteristics of small loan amount, high operating cost, low expected income and uncertain credit risk.The source of the problem lies in the difficulty for agricultural financial institutions to make scientific judgment on the credit of farmers, so it is difficult to control the loan risk of farmers.At present, the agricultural financial institutions do not have a unified understanding of the factors affecting farmers' credit, and the evaluation criteria are lacking in scientific and integrity.Therefore, how to make scientific and reasonable analysis of the factors that may affect the farmers' credit by using the existing relevant data of farmers' loans due is a topic of practical and economic significance.Based on household characteristics, solvency, management, loan situation and credit standing, this study makes a statistical description and analysis of the factors affecting the credit of farmers in Hohhot, and according to the collected data,Logistic regression model was used to analyze the significant factors affecting the credit of farmers in Hohhot.According to the results of the analysis, the main reasons for the poor credit level of farmers are the unsound medical security system in rural areas, the greater risks in agricultural production, the poor channels for farmers to increase their income, the poor social capital situation of farmers and the lack of effective mortgage and guarantee for farmers.Based on the above reasons, the paper puts forward some measures to improve farmers' credit, such as perfecting rural medical security system, popularizing agricultural insurance, widening farmers' income channels, innovating agricultural credit products and optimizing rural "credit" environment.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.43
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本文編號：1726083