本文選題：肇源縣　切入點(diǎn)：農(nóng)戶小額信貸　出處：《東北農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：中共十八屆三中全會(huì)指出,當(dāng)前城鄉(xiāng)二元結(jié)構(gòu)是制約城鄉(xiāng)發(fā)展一體化的主要障礙。只有健全體制機(jī)制,形成以工促農(nóng)、以城帶鄉(xiāng)、工農(nóng)互惠、城鄉(xiāng)一體的新型工農(nóng)城鄉(xiāng)關(guān)系,才能讓廣大農(nóng)民平等參與現(xiàn)代化進(jìn)程、共同分享現(xiàn)代化成果,賦予農(nóng)民更多財(cái)產(chǎn)權(quán)利,推進(jìn)城鄉(xiāng)要素平等交換和公共資源均衡配置。 實(shí)現(xiàn)農(nóng)村的發(fā)展、農(nóng)業(yè)水平的提高、農(nóng)民收入的提升,離不開(kāi)有效金融市場(chǎng)的支持。有效的農(nóng)村金融市場(chǎng)能夠充分動(dòng)員存款、合理分配資源、降低資金使用風(fēng)險(xiǎn),進(jìn)而推動(dòng)農(nóng)村經(jīng)濟(jì)的發(fā)展,提高農(nóng)民收入和生活水平。但農(nóng)村金融市場(chǎng)的資金緊缺嚴(yán)重制約了農(nóng)村經(jīng)濟(jì)的發(fā)展、阻礙了農(nóng)民生活水平和福利待遇的提高。產(chǎn)生于20世紀(jì)70年代的小額信貸為解決資金緊缺問(wèn)題提供了一種新思路,它的推行有效的緩解了農(nóng)村金融市場(chǎng)的供求失衡問(wèn)題,拓寬了資金的來(lái)源渠道,優(yōu)化了農(nóng)村金融結(jié)構(gòu)。然而,農(nóng)戶小額信貸在發(fā)展的過(guò)程中仍存在許多問(wèn)題,面臨很大挑戰(zhàn)。 本文通過(guò)介紹肇源縣農(nóng)戶小額信貸發(fā)展情況,從實(shí)際出發(fā),期望以小見(jiàn)大,能夠?yàn)榻鉀Q當(dāng)前農(nóng)戶小額信貸中的問(wèn)題提出可行性對(duì)策。文章在對(duì)相關(guān)概念及理論介紹的基礎(chǔ)上,從實(shí)際出發(fā)介紹了肇源縣農(nóng)戶小額信貸的發(fā)展現(xiàn)狀及存在問(wèn)題,肇源縣農(nóng)戶小額信貸產(chǎn)品自身的缺陷、非規(guī)范運(yùn)作、供求失衡、高風(fēng)險(xiǎn)等嚴(yán)重影響了肇源縣農(nóng)戶小額信貸的有效運(yùn)行；基于此,作者運(yùn)用實(shí)證分析的方法,通過(guò)構(gòu)建實(shí)證模型來(lái)分析以上問(wèn)題成因；同時(shí),結(jié)合國(guó)內(nèi)其他縣域的成功經(jīng)驗(yàn),總結(jié)出完善肇源縣農(nóng)戶小額信貸的對(duì)策建議,即通過(guò)設(shè)計(jì)以農(nóng)戶為中心的信貸產(chǎn)品和服務(wù)、健全信貸機(jī)構(gòu)管理體制、完善信貸供給機(jī)制、提高農(nóng)民素質(zhì)和生活水平、利用運(yùn)行機(jī)制管理風(fēng)險(xiǎn)等方法實(shí)現(xiàn)肇源縣農(nóng)戶小額信貸的可持續(xù)性發(fā)展。 文章通過(guò)歸納與演繹相結(jié)合、實(shí)證分析與規(guī)范分析相結(jié)合、定性分析與定量分析相結(jié)合及比較分析的方法,概括了農(nóng)戶小額信貸的基本概念和理論,對(duì)肇源縣農(nóng)戶小額信貸的發(fā)展進(jìn)行分析和總結(jié),最終提出對(duì)策建議。
[Abstract]:The third Plenary session of the 18 CPC Central Committee pointed out that the current dual structure between urban and rural areas is the main obstacle to the integration of urban and rural development. Only by improving the institutional mechanism, can we form a new type of worker-peasant urban-rural relationship that combines industry with agriculture, city with township, mutual benefit between workers and peasants, and integration of urban and rural areas. Only in this way can farmers participate in the modernization process equally, share the fruits of modernization, endow farmers with more property rights, and promote the equal exchange of urban and rural elements and the balanced allocation of public resources. The realization of rural development, the improvement of agricultural level and the improvement of farmers' income can not be separated from the support of effective financial market. An effective rural financial market can fully mobilize deposits, allocate resources rationally, and reduce the risk of using funds. Then the development of rural economy is promoted, and the income and living standard of farmers are improved. However, the shortage of funds in rural financial market seriously restricts the development of rural economy. It has hindered the improvement of farmers' living standard and welfare treatment. The micro-credit, which came into being in 1970s, has provided a new way of thinking to solve the problem of capital shortage, and its implementation has effectively alleviated the imbalance between supply and demand in rural financial markets. It broadens the sources of funds and optimizes the rural financial structure. However, there are still many problems and great challenges in the development of micro-credit for farmers. This paper introduces the development of micro-credit of farmers in Zhaoyuan County, and expects to find out the whole through a small part, which can put forward feasible countermeasures to solve the problems in micro-credit of farmers at present. Based on the introduction of related concepts and theories, this paper introduces the concept and theory of micro-credit in Zhaoyuan County. This paper introduces the present situation and existing problems of farmers' microfinance in Zhaoyuan County, the defects of farmers' microfinance products themselves, the non-standard operation, and the imbalance between supply and demand. The high risk has seriously affected the effective operation of micro-credit for farmers in Zhaoyuan County. Based on this, the author uses the method of empirical analysis to analyze the causes of the above problems through the construction of empirical model; at the same time, combined with the successful experience of other counties in China, The countermeasures and suggestions to perfect the micro-credit of farmers in Zhaoyuan County are summarized, that is, by designing the credit products and services centered on the farmers, perfecting the management system of the credit institutions, perfecting the credit supply mechanism, and improving the quality and living standard of the farmers. The sustainable development of micro-credit of farmers in Zhaoyuan County is realized by means of management of risk by operation mechanism. Through the combination of inductive and deductive analysis, empirical analysis and normative analysis, qualitative analysis and quantitative analysis and comparative analysis, this paper summarizes the basic concepts and theories of micro-credit for farmers. This paper analyzes and summarizes the development of micro-credit for farmers in Zhaoyuan County, and finally puts forward some countermeasures and suggestions.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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