小額信貸已被廣泛用作減貧工具。在各個(gè)國家中,中國也采用小額信貸,特別是農(nóng)村減貧,不同的農(nóng)村小額貸款銀行在減貧領(lǐng)域開展業(yè)務(wù)。本研究評估了中國陜西省農(nóng)村家庭小額信貸可及性的決定因素。因此,本文通過預(yù)先測試的問卷對389戶戶主進(jìn)行面對面訪談收集原始數(shù)據(jù),并采用logistic回歸模型來確定影響農(nóng)村家庭小額信貸可及性的因素。調(diào)查結(jié)果顯示,性別,教育和收入對農(nóng)村家庭小額信貸可及性具有顯著正向影響,而年齡,職業(yè),家庭規(guī)模和家庭與小額信貸銀行的距離對農(nóng)村家庭小額信貸可及性具有顯著負(fù)向影響。在研究區(qū)域,距離銀行較遠(yuǎn)、低教育水平和低收入被認(rèn)為是家庭能夠獲得小額信貸的主要制約因素。該研究建議在抵押和償還方面采取靈活的小額信貸政策,以增加農(nóng)村婦女、貧困家庭、農(nóng)業(yè)社區(qū)和大規(guī)模家庭的小額信貸可及性,從而通過增加投資機(jī)會(huì)有效減少農(nóng)村貧困。貧困是全球性的威脅,巴基斯坦也不例外。根據(jù)人口比例,巴基斯坦大約有22%的人口生活在貧困線以下。小額信貸計(jì)劃已成為解決巴基斯坦等國家貧困問題的重要工具。它使人們有機(jī)會(huì)獲得生計(jì)來源,幫助他們過上有自尊的生活,減少他們的金融剝削。這項(xiàng)研究分析了小額信貸如何幫助巴基斯坦減少貧困。基于二... 

【文章來源】：西北農(nóng)林科技大學(xué)陜西省211工程院校985工程院校教育部直屬院校

【文章頁數(shù)】：101 頁

【學(xué)位級別】：博士

【文章目錄】：
摘要
ABSTRACT
CHAPTER1 INTRODUCTION
    1.1 BACKGROUND
    1.2 OVERVIEW OF MICROFINANCE IN PAKISTAN& CHINA
        1.2.1 Microfinance in Pakistan
        1.2.2 Microfinance in China
    1.3 PROBLEM STATEMENT
    1.4 RESEARCH OBJECTIVES
    1.5 CONTRIBUTION OF THIS RESEARCH
CHAPTER2 REVIEW OF LITERATURE
    2.1 MICRO-CREDIT:CONCEPT AND FEATURES
    2.2 FACTORS AFFECTING CREDIT ACCESSIBILITY AND MODELING TECHNIQUES
    2.3 IMPACTS OF MICROCREDIT ON THE LIVELIHOODS OF THE POOR
    2.4 WELFARE IMPACT OF MICROCREDIT AT HOUSEHOLD LEVEL
    2.5 EMPOWERMENT IMPACT OF MICROCREDIT ON WOMEN
        2.5.1 Process-based impact studies
        2.5.2 Outcome-based impact studies
CHAPTER3 MATERIALS AND METHODS
    3.1 DATA COLLECTION
        3.1.1 Data Collection from Pakistan
    3.2 DATA COLLECTION FROM CHINA
        3.2.1 Empirical modelling
    3.3 SAMPLE SIZE
    3.4 ECONOMETRICS TECHNIQUE
        3.4.1 The Econometric technique used to achieve the said objectives are as follows:
CHAPTER4 WHAT DETERMINES ACCESSIBILITY TO MICROCREDIT AMONG THE RURAL HOUSEHOLDS?EMPIRICAL EVIDENCE FROM CHINA
    4.1 INTRODUCTION
    4.2 MATERIAL AND METHODS
        4.2.1 Study area description
        4.2.2 Sampling and data collection
        4.2.3 Empirical modelling
        4.2.4 Description of dependent and independent variables
    4.3 RESULTS AND DISCUSSION
        4.3.1 Demographic and socioeconomic characteristics
        4.3.2 Determinants of rural households’microcredit accessibility
        4.3.3 Sex
        4.3.4 Age
        4.3.5 Educational status
        4.3.6 Occupation
        4.3.7 Household size
        4.3.8 Household Income
        4.3.9 Distance to microfinance bank
    4.4 CONCLUSION AND SUGGESTIONS
CHAPTER5 MICROFINANCE AND POVERTY REDUCTION:NEW EVIDENCE FROM PAKISTAN
    5.1 INTRODUCTION
        5.1.1 Path to microfinance commercialization
    5.2 MATERIAL AND METHODS
        5.2.1 Indicators of poverty
        5.2.2 Active borrowers
        5.2.3 Sex-wise borrowers
        5.2.4 Area-wise borrowers
        5.2.5 Sector-wise borrowers
        5.2.6 Lending methodology
        5.2.7 Model specification
    5.3 RESULTS AND DISCUSSION
    5.4 CONCLUSION
CHAPTER6 MICROCREDIT USE IS BENEFICIAL FOR HOUSEHOLD INCOME IN RURAL AREAS OF CHINA
    6.1 INTRODUCTION
    6.2 MATERIALS AND METHODS
        6.2.1 Population and sample
        6.2.2 Data collection
        6.2.3 Statistical analysis
    6.3 RESULTS
    6.4 DISCUSSION
    6.5 CONCLUSIONS AND IMPLICATIONS
CHAPTER7 CONCLUSION AND RECOMMENDATION
REFERENCE
ACKNOWLEDGEMENT
AUTHOR RESUME
List of Publications



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