發(fā)布時(shí)間：2018-01-05 02:04

  本文關(guān)鍵詞：農(nóng)戶借貸與均田制瓦解　出處：《湘潭大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)戶借貸 金融史 均田制 博弈 金融排斥

【摘要】：本文選題意義:三農(nóng)問(wèn)題一直是困擾我國(guó)經(jīng)濟(jì)轉(zhuǎn)型的一個(gè)重點(diǎn)難點(diǎn)課題�；跉v史與現(xiàn)有政策等諸多原因,我國(guó)大多數(shù)的農(nóng)戶仍以落后的小農(nóng)經(jīng)營(yíng)為主。這使得我國(guó)的農(nóng)村金融存著嚴(yán)重問(wèn)題:1、小農(nóng)經(jīng)濟(jì)規(guī)模小,自身資本不足,短期資金需求較高;2、農(nóng)戶經(jīng)營(yíng)模式單一,抗風(fēng)險(xiǎn)能力差;3、農(nóng)村金融供給不足,不但存在“顯性”的金融排斥,更存在著“隱性金融排斥”。均田制是我國(guó)土地制度沿革中重要的一環(huán),其政策設(shè)計(jì)與我國(guó)現(xiàn)行土地政策有著諸多的相通之處;兩種模式下的農(nóng)戶也具有諸多相似之處。均田瓦解的過(guò)程中金融對(duì)農(nóng)戶扶持無(wú)效的歷史教訓(xùn),對(duì)研究現(xiàn)代農(nóng)村金融的發(fā)展有著相當(dāng)?shù)慕梃b意義。但是目前國(guó)內(nèi)外對(duì)中農(nóng)戶借貸在均田制瓦解中作用的研究還是一片空白。本文在結(jié)構(gòu)上,將從以下四個(gè)方面展開研究:1、對(duì)放款一方的主體性質(zhì)以及資金來(lái)源進(jìn)行分類,依此為依據(jù)劃分借貸模式,分析幾種借貸模式下農(nóng)戶的借貸負(fù)擔(dān)。2、對(duì)借貸關(guān)系的借入方——均田農(nóng)戶進(jìn)行研究。在分析均田農(nóng)戶經(jīng)營(yíng)狀況、與借貸負(fù)擔(dān)在基礎(chǔ)上,列出其在不同模式下均田戶進(jìn)行借貸前后的支付集情況。3、聯(lián)立借貸雙方,建立博弈策略、構(gòu)筑完整博弈樹,分析均田農(nóng)戶的借貸行為,了解農(nóng)業(yè)借貸對(duì)小農(nóng)經(jīng)營(yíng)的影響。確定不同借貸模式在均田制瓦解的作用。4、本文著重分析義倉(cāng)社倉(cāng)制度,通過(guò)研究該制度對(duì)均田戶的扶持作用,以及其扶持作用的局限性。并根據(jù)這些經(jīng)驗(yàn)教訓(xùn),對(duì)我國(guó)現(xiàn)行農(nóng)村金融模式提出一些具有可行性的改進(jìn)方案。創(chuàng)新點(diǎn)與不足:本文采用了博弈論的方法研究金融史問(wèn)題,通過(guò)博弈策略分析農(nóng)戶借貸行為對(duì)小農(nóng)經(jīng)營(yíng)所產(chǎn)生的影響,得出結(jié)論:證明了利率水平在農(nóng)戶借貸決策行為中的重要性;在均田制瓦解的過(guò)程中,農(nóng)戶借貸扮演的作用具有二重性;所構(gòu)筑博弈模型也可以用于分析現(xiàn)代農(nóng)戶在借貸行為。由于歷史年代在久遠(yuǎn),造成大量數(shù)據(jù)已經(jīng)無(wú)法獲得。因此本文在數(shù)據(jù)收集與分析上存在著精確度不足在缺點(diǎn)。
[Abstract]:In this paper, the significance of the topic: agriculture has been a key and difficult problem of economic transformation in China. The history and existing policies and other reasons, most of the farmers in our country is still dominated by backward smallholder management. It makes our country's rural finance exists serious problems: 1, small agricultural economy is small, its capital lack of short-term capital requirement; 2, single farmer pattern, anti risk ability is poor; 3, inadequate supply of rural finance, not only the existence of "dominant Financial Exclusion", there are more "Hidden Financial Exclusion". This system is China's land system evolution in an important part of its design and policy in China the current land policy has many similarities; also has two modes of farmers have many similarities. The financial collapse in this process on the lessons of history to support farmers invalid, has on the development of modern rural financial research When the reference. But at home and abroad to study this system in rural credit collapse effect is still a blank. The structure of this paper, the study from the following four aspects: 1, the classification of the main properties of one of the loans and funding sources, on the basis of dividing lending model, analysis of the farmers some lending under the mode of borrowing burden of.2, research on land farmers borrowing - lending relationship. In the analysis of land farmers operating conditions and the burden of debt on the basis of the list in different modes of household borrowing to pay land before and after the set.3, simultaneous lending, the establishment of game strategy, construct the complete game tree this household borrowing behavior, analysis, understanding of the impact of agriculture on lending to small business lending. Determine the different patterns in the.4 system collapse, analysis on the system of granary warehouse, through research The system support function to the land users, and the limitations of its supporting role. According to these lessons, put forward some feasible improvement scheme of the current rural financial model in our country. The innovation points and deficiencies: This paper uses the method of game theory, financial history research questions, through the game analysis of the impact of farmers. Due to the small business lending behavior concluded: to demonstrate the importance of interest rates in farmers' decision-making behavior in lending; in the process of the disintegration of the land equalization system, borrowing the role of duality; construct game model can also analyze modern farmers in borrowing for. Due to historical era in time, resulting in a large number of data have been unable to obtain. So based on the data collection and analysis are lack of accuracy in the shortcomings.

【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.35;F323.6

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