發(fā)布時(shí)間：2018-10-22 09:47

【摘要】：加快內(nèi)蒙古農(nóng)村土地市場(chǎng)流轉(zhuǎn),實(shí)現(xiàn)規(guī)模經(jīng)營是農(nóng)業(yè)改革的重要契機(jī),也是實(shí)現(xiàn)內(nèi)蒙古農(nóng)業(yè)現(xiàn)代化的根本途徑。農(nóng)村金融為農(nóng)戶進(jìn)行農(nóng)村土地流轉(zhuǎn)提供了重要的服務(wù)和支持,同時(shí)農(nóng)村金融的發(fā)展也是實(shí)現(xiàn)農(nóng)地市場(chǎng)流轉(zhuǎn)的重要保障,加快內(nèi)蒙古土地流轉(zhuǎn)速度并且發(fā)揮農(nóng)村金融的重要作用,是提高農(nóng)戶土地流轉(zhuǎn)中的金融需求意愿的重要途徑。在我國出臺(tái)相關(guān)土地金融優(yōu)惠政策后,農(nóng)村金融機(jī)構(gòu)提供給農(nóng)戶的涉農(nóng)貸款大多數(shù)是無息或者免息的,所以在一般情況下農(nóng)戶大多愿意接受這類低息或免息貸款進(jìn)行土地流轉(zhuǎn)來擴(kuò)大生產(chǎn),比如購買大型農(nóng)業(yè)生產(chǎn)機(jī)械、優(yōu)質(zhì)的種子、農(nóng)藥、化肥來進(jìn)行規(guī)模化生產(chǎn),提高農(nóng)業(yè)整體生產(chǎn)水平和質(zhì)量。但在實(shí)際過程中,由于金融機(jī)構(gòu)提供的保險(xiǎn)、抵押擔(dān)保、貸款還款期限、貸款手續(xù)、貸款金額等提供的金融服務(wù)要求過于嚴(yán)苛、審理過于繁雜、辦理等待時(shí)間過長都嚴(yán)重制約了農(nóng)戶土地流轉(zhuǎn)中的金融需求意愿,進(jìn)而導(dǎo)致農(nóng)戶在土地流轉(zhuǎn)過程中金融需求意愿較低。本文通過深入調(diào)查內(nèi)蒙古農(nóng)戶土地流轉(zhuǎn)的發(fā)展?fàn)顩r及農(nóng)戶金融需求狀況,找到制約農(nóng)戶土地流轉(zhuǎn)中的金融需求的因素,提出內(nèi)蒙古在土地流轉(zhuǎn)中農(nóng)戶金融需求不足的原因,研究?jī)?nèi)蒙古農(nóng)戶在土地流轉(zhuǎn)中的金融需求意愿,本文主要從農(nóng)業(yè)貸款總量、貸款期限結(jié)構(gòu)、貸款審批流程、信用擔(dān)保體系、抵押擔(dān)保、貸款利率、農(nóng)業(yè)保險(xiǎn)等若干方面詳細(xì)闡述制約農(nóng)戶金融需求意愿的因素�；诙x散選擇模型對(duì)內(nèi)蒙古農(nóng)村土地流轉(zhuǎn)的金融需求進(jìn)行實(shí)證分析。對(duì)二元離散選擇模型進(jìn)行簡(jiǎn)要的論述,利用該模型以涉農(nóng)的金融產(chǎn)品的貸款期限,貸款額度,農(nóng)戶抵押擔(dān)保、農(nóng)業(yè)保險(xiǎn)、融資難易程度為自變量,以土地流轉(zhuǎn)中的金融需求意愿度為因變量,研究得出農(nóng)戶土地流轉(zhuǎn)金融需求的概率。考慮實(shí)證分析的結(jié)果以及內(nèi)蒙古的區(qū)情,提出增強(qiáng)農(nóng)戶在土地流轉(zhuǎn)過程中的金融需求的對(duì)策建議,落實(shí)好相關(guān)的政策扶持。為下一步金融機(jī)構(gòu)研發(fā)土地流轉(zhuǎn)的信貸產(chǎn)品,創(chuàng)新土地流轉(zhuǎn)的保險(xiǎn)業(yè)務(wù),提高農(nóng)戶土地流轉(zhuǎn)中的金融需求積極性提供指導(dǎo),具有較強(qiáng)的實(shí)踐意義。
[Abstract]:Speeding up the circulation of rural land market in Inner Mongolia and realizing scale management is an important opportunity for agricultural reform and a fundamental way to realize agricultural modernization in Inner Mongolia. Rural finance provides important services and support for rural land circulation, and the development of rural finance is also an important guarantee to realize the circulation of agricultural land market, accelerate the speed of land circulation in Inner Mongolia and play an important role in rural finance. It is an important way to improve the willingness of financial demand in the land circulation of farmers. After the introduction of the relevant land financial preferential policies in China, most of the agricultural loans provided by rural financial institutions to farmers are interest-free or interest-free. Therefore, under normal circumstances, most farmers are willing to accept such low-interest or interest-free loans for land circulation to expand production, such as purchasing large-scale agricultural production machinery, high-quality seeds, pesticides, and fertilizers for large-scale production. We will improve the overall level and quality of agricultural production. However, in the actual process, because the financial services provided by financial institutions such as insurance, mortgage guarantees, loan repayment periods, loan procedures, loan amounts, and so on, are too stringent, and the proceedings are too complicated, The long waiting time of processing seriously restricts the willingness of financial demand in the land circulation of farmers, which leads to the low willingness of financial demand in the process of land transfer. By investigating the development of land circulation and the financial needs of farmers in Inner Mongolia, this paper finds out the factors that restrict the financial needs of farmers, and points out the reasons why the financial demand of farmers in Inner Mongolia is insufficient in land circulation. To study the financial demand of Inner Mongolia farmers in land circulation, this paper mainly from the total amount of agricultural loans, loan term structure, loan approval process, credit guarantee system, mortgage guarantee, loan interest rate, Agricultural insurance and other aspects of the constraints on the financial will of farmers in detail. Based on the binary discrete choice model, the financial needs of rural land circulation in Inner Mongolia are analyzed empirically. This paper briefly discusses the binary discrete choice model, using this model to take the loan term, the loan quota, the farmer mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variables, the agricultural financial product loan term, the loan quota, the peasant household mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variable, Taking the willingness of financial demand in land circulation as dependent variable, this paper studies the probability of farmers' financial demand for land transfer. Considering the results of empirical analysis and the regional situation in Inner Mongolia, this paper puts forward some countermeasures and suggestions to strengthen the financial needs of farmers in the process of land transfer and implement the relevant policy support. It is of great practical significance for the next step for financial institutions to develop credit products for land circulation, to innovate the insurance business of land circulation, and to improve the enthusiasm of financial needs of farmers in land circulation.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F321.1;F832.4

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本文編號(hào)：2286814