本文關(guān)鍵詞： 小額信貸 融資可得性 影響因素　出處：《福建農(nóng)林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：國家十二五規(guī)劃提出推進(jìn)農(nóng)業(yè)現(xiàn)代化,必須堅(jiān)持加大強(qiáng)農(nóng)惠農(nóng)力度,國家發(fā)改委在其官方網(wǎng)站上公布了《國家發(fā)展改革委關(guān)于印發(fā)全國農(nóng)村經(jīng)濟(jì)發(fā)展“十二五”規(guī)劃的通知》,要求加大對(duì)農(nóng)村金融政策支持力度,拓寬農(nóng)村融資渠道。隨著小額信貸的產(chǎn)生與不斷發(fā)展和國家對(duì)“三農(nóng)”問題的重視,農(nóng)戶小額信貸也應(yīng)運(yùn)而生,且在小額信貸中占據(jù)著主導(dǎo)位置。小額信貸的推出是為了向農(nóng)戶提供資金以助于其從事創(chuàng)收活動(dòng),進(jìn)而走向富裕。“三農(nóng)”問題一直以來都影響著我國的經(jīng)濟(jì)發(fā)展和社會(huì)的穩(wěn)定,雖然農(nóng)戶小額信貸作為政府的一個(gè)重要手段來解決“農(nóng)業(yè)、農(nóng)村和農(nóng)民”這一問題,在我國也取得了顯著性的成就,但我國農(nóng)戶小額信貸能否可持續(xù)發(fā)展仍有待研究。 本研究通過收集、歸納文獻(xiàn)和歷史資料,梳理了農(nóng)戶小額信貸的相關(guān)文獻(xiàn),理論上分析了影響農(nóng)戶小額信貸可得性的因素,并以漳州市百花村為例,實(shí)地調(diào)查獲取數(shù)據(jù),利用逐步回歸分析法篩選出影響花農(nóng)信貸的因素：工作年限、資金主要來源、貸款期限、貸款用途、對(duì)融資環(huán)境的狀況的評(píng)價(jià)、辦理貸款的操作效率、申請貸款的方式、貸款利率、不愿貸款原因、款項(xiàng)金額。進(jìn)而提出相應(yīng)的解決措施：提高農(nóng)戶自身信貸融資能力；加大金融機(jī)構(gòu)對(duì)花農(nóng)的扶持力度；完善與農(nóng)戶小額信貸相關(guān)的國家政策。
[Abstract]:The 12th Five-Year Plan of the State proposed to promote agricultural modernization, we must insist on strengthening agriculture to benefit agriculture. On its official website, the National Development and Reform Commission published the notice of the State Development and Reform Commission on the issue of the 12th Five-Year Plan for Rural Economic Development, calling for greater support for rural financial policies. With the emergence and continuous development of micro-credit and the attention of the country to the "three rural" issues, the peasant household microfinance has emerged as the times require. The introduction of micro-credit is to provide funds to farmers to help them engage in income-generating activities. The problem of "agriculture, rural areas and farmers" has always affected the economic development and social stability of our country, although farmers' micro-credit as an important means of government to solve the "agriculture". The problem of "rural and peasant" has also made remarkable achievements in China, but the sustainable development of micro-credit of farmers in China remains to be studied. Through collecting, summarizing the literature and historical data, this study combed the related documents of farmers' microfinance, theoretically analyzed the factors that affect the availability of micro-credit for farmers, and took the Bahua Village of Zhangzhou City as an example. Field investigation to obtain data, the use of stepwise regression analysis to screen out the factors that affect the credit of flower farmers: working life, main sources of funds, loan duration, loan use, evaluation of the financing environment. The operational efficiency of handling loans, the way to apply for loans, the interest rate of loans, the reasons for unwilling to lend, the amount of money, and then put forward the corresponding solutions: to improve the credit financing capacity of farmers themselves; Increasing the financial institutions to support the flower farmers; Improve the national policy related to micro-credit for farmers.
【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】：2014
【分類號(hào)】：F832.43

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