本文關(guān)鍵詞：屏南縣貧困戶小額信貸需求及其影響因素研究　出處：《福建農(nóng)林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 貧困戶 小額信貸 屏南 需求 影響因素

【摘要】：習(xí)近平總書記強(qiáng)調(diào),全面建成小康社會(huì),農(nóng)村貧困人口全部脫貧是一個(gè)標(biāo)志性指標(biāo),要確保到2020年所有貧困地區(qū)和貧困人口一道邁入全面小康社會(huì)。福建省委省政府也明確提出福建省脫貧攻堅(jiān)戰(zhàn)的目標(biāo),到2018年,福建省現(xiàn)行國定扶貧標(biāo)準(zhǔn)的農(nóng)村貧困人口全部脫貧;到2020年,省定扶貧標(biāo)準(zhǔn)的農(nóng)村貧困人口全部脫貧。同時(shí),實(shí)現(xiàn)農(nóng)村低保標(biāo)準(zhǔn)與國定扶貧標(biāo)準(zhǔn)相銜接。到2020年實(shí)現(xiàn)全部貧困人口擺脫貧困的既定目標(biāo),時(shí)間緊、任務(wù)重。要如期實(shí)現(xiàn)這一目標(biāo),確保全省所有貧困人口同步進(jìn)入小康,貧困戶穩(wěn)定增收成為一個(gè)關(guān)鍵環(huán)節(jié)。但是,如何幫助貧困戶穩(wěn)定增收,如何做到精準(zhǔn)扶貧、精準(zhǔn)脫貧?扶貧小額信貸是主要途徑之一。長期以來,由于金融機(jī)構(gòu)貸款成本高、風(fēng)險(xiǎn)大,借貸雙方信息不對(duì)稱,貧困戶學(xué)歷不高、缺乏勞動(dòng)技能等原因,導(dǎo)致了貧困戶對(duì)小額信貸需求不大,或者難以獲得小額信貸。而貧困戶貸款難題,已成為阻礙貧困戶增收脫貧的一大問題。近年來,福建省先后出臺(tái)了一系列服務(wù)農(nóng)村的金融政策,對(duì)貧困戶貸款進(jìn)行了許多有益探索,在屏南等縣開展扶貧小額信貸創(chuàng)新試點(diǎn)工作,取得了初步成效。本文闡述了福建省小額信貸的實(shí)踐情況,論述了樣本縣——屏南縣小額信貸工作的開展情況、主要做法、特點(diǎn)和成效。在文獻(xiàn)綜述、定性分析和專家咨詢的基礎(chǔ)上,擬訂了貧困戶小額信貸需求的影響因素,并在屏南縣開展實(shí)地調(diào)研,向11個(gè)鄉(xiāng)鎮(zhèn)220戶貧困戶發(fā)放問卷進(jìn)行調(diào)查。通過整理、統(tǒng)計(jì)有關(guān)調(diào)查數(shù)據(jù),對(duì)樣本個(gè)人特征、家庭特征、資金需求、政府政策、銀行資金供給、小額信貸需求意愿與行為、信貸資金供給意愿和鄉(xiāng)鎮(zhèn)農(nóng)民人均可支配收入進(jìn)行描述性統(tǒng)計(jì)分析,并且運(yùn)用多元線性回歸分析法進(jìn)行計(jì)量分析,得出年齡與貧困戶小額信貸需求意愿(希望申請(qǐng)金額)顯著負(fù)相關(guān),勞動(dòng)力人數(shù)、家庭總支出、是否有負(fù)債、負(fù)債金額與貧困戶小額信貸需求意愿顯著正相關(guān);年齡、學(xué)歷、房屋結(jié)構(gòu)與貧困戶小額信貸需求行為(是否申請(qǐng)過小額信貸)顯著負(fù)相關(guān);勞動(dòng)技能和家庭總支出與是否申請(qǐng)過小額信貸顯著正相關(guān)。在上述研究的基礎(chǔ)上,本文從政府、金融機(jī)構(gòu)、貧困戶三個(gè)層面提出對(duì)策建議。在政府方面,應(yīng)該加強(qiáng)政策宣傳,建立信息平臺(tái),健全擔(dān)保體系,探索機(jī)制創(chuàng)新,加強(qiáng)指導(dǎo)監(jiān)督,推動(dòng)扶貧小額信貸工作規(guī)范、持續(xù)、有序發(fā)展,同時(shí),實(shí)施教育扶智扶貧,勞動(dòng)技能培訓(xùn),易地扶貧搬遷,重點(diǎn)推動(dòng)"輸血"式扶貧向"造血"式扶貧轉(zhuǎn)變;在金融機(jī)構(gòu)方面,應(yīng)該加強(qiáng)互補(bǔ)合作,豐富貸款品種,調(diào)整貸款期限等;在貧困戶方面,建議轉(zhuǎn)變思想觀念,增強(qiáng)自我發(fā)展的意識(shí)和脫貧致富的信心、決心,同時(shí),積極主動(dòng)參加學(xué)歷教育和勞動(dòng)技能培訓(xùn),努力依靠自身辛勤勞動(dòng)實(shí)現(xiàn)脫貧致富。
[Abstract]:General secretary Xi Jinping stressed that a comprehensive well-off society, rural poverty alleviation is a symbol of all indicators, to ensure that by 2020 all poor areas and people together into the comprehensive well-off society. The Fujian provincial government also pointed out that Fujian province poverty alleviation war goals, to 2018, the rural poor population in Fujian Province, the current national all out of poverty alleviation standard; by 2020, the rural poor population, the poverty standard of all poverty. At the same time, the rural minimum living standard and national standard of poverty alleviation convergence. By 2020 all the poor people get rid of poverty target, time tight, heavy task. To achieve this goal on schedule, ensure all the province's poverty population synchronous access to well-off, poor households' income stability has become a key link. However, how to help poor households' income stability, how to achieve precise poverty alleviation, precise poverty help? Poor microfinance is one of the main routes. For a long time, because of the high cost loans of financial institutions, lending risk, asymmetric information, poor education is not high, lack of labor skills, leads to poor households demand of credit is not, or difficult to obtain small amount credit loans to poor households. The problem has become a obstacles of poor households' income poverty. In recent years, Fujian province has issued a series of policy financial services in rural areas, a lot of useful exploration on loans to poor households, in Pingnan county to carry out poverty alleviation microfinance innovation pilot work, and achieved initial results. This paper expounds the practice of microfinance in Fujian province. The sample County - Pingnan County microfinance development situation, the main work of practice, characteristics and achievements. Based on the literature review, qualitative analysis and expert consultation, to the poor little Influencing factors of credit demand, and carry out field research in Pingnan County, 11 villages and towns to carry out investigations to 220 poor households questionnaire. Through the collation, statistics on the sample survey data, personal characteristics, family characteristics, capital requirements, government policy, the supply of bank funds, willingness and behavior of micro credit demand, credit funds supply the will and the per capita disposable income of farmers by descriptive statistical analysis and multivariate linear regression analysis method for quantitative analysis, the age and the poor households microfinance demand (amount to apply for) a significant negative correlation, labor force, total household expenditure, whether debt is positively related to debt and poor households willingness of microfinance demand; age, education, housing structure and poor households microfinance demand behavior (whether for microfinance) is negatively correlated; labor skills and household spending And if you have applied for is positively related to microfinance. On the basis of the above research, this article from the government, financial institutions, puts forward some countermeasures and suggestions of poor households in three aspects. In the government, should strengthen the policy advocacy, the establishment of information platform, perfect the guarantee system, to explore the mechanism of innovation, strengthen supervision and guidance, promote poverty alleviation microfinance job specification, continuous, orderly development, at the same time, the implementation of education Fu Chi poverty, labor skills training, to resettle, focus on promoting the "blood transfusion" poverty alleviation to the "blood" of poverty alleviation; in terms of financial institutions, should strengthen mutual cooperation, enrich the variety of loans, adjust the loan period; in poor households. Suggest change ideas, enhance the development of the self consciousness and the poverty of confidence and determination, at the same time, and actively participate in education and labor skills training, to rely on their own hard work to achieve poverty.

【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】：2017
【分類號(hào)】：F832.4;F323.8

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