本文選題：農(nóng)戶 + 擔(dān)保貸款��； 參考：《西北農(nóng)林科技大學(xué)》2014年碩士論文

【摘要】：中共十八大報(bào)告強(qiáng)調(diào)，著力促進(jìn)農(nóng)民增收，保持農(nóng)民收入持續(xù)較快增長(zhǎng)。而農(nóng)村金融是農(nóng)村經(jīng)濟(jì)發(fā)展、農(nóng)民增收的重要保障，對(duì)于解決“三農(nóng)”問(wèn)題、促進(jìn)城鄉(xiāng)一體化發(fā)展具有重大意義。小額貸款擔(dān)保是一種降低貸款風(fēng)險(xiǎn)、加速農(nóng)村資金流轉(zhuǎn)的有效機(jī)制，但現(xiàn)實(shí)中農(nóng)村有效擔(dān)保物匱乏以及相應(yīng)的擔(dān)保機(jī)制不健全嚴(yán)重制約了農(nóng)戶收入的提高和農(nóng)村經(jīng)濟(jì)的發(fā)展。農(nóng)民專業(yè)合作社不僅具有提高農(nóng)民組織化程度、優(yōu)化農(nóng)業(yè)產(chǎn)業(yè)結(jié)構(gòu)、增強(qiáng)農(nóng)戶市場(chǎng)競(jìng)爭(zhēng)力的功能，還具有為農(nóng)戶的小額貸款提供擔(dān)保等融資潛能。本文從貸款擔(dān)保理論出發(fā)，根據(jù)實(shí)地調(diào)研數(shù)據(jù)，實(shí)證分析了影響我國(guó)農(nóng)戶擔(dān)保貸款的主要因素，結(jié)合農(nóng)民專業(yè)合作社的發(fā)展現(xiàn)狀、組織優(yōu)勢(shì)等研究農(nóng)民專業(yè)合作社參與農(nóng)戶小額貸款擔(dān)保的優(yōu)勢(shì)與可行性,結(jié)合實(shí)際構(gòu)建新的貸款擔(dān)保機(jī)制，并提出相應(yīng)的風(fēng)險(xiǎn)控制辦法，最后提出促進(jìn)農(nóng)民專業(yè)合作社擔(dān)保貸款健康發(fā)展的對(duì)策措施。 本論文主要分為6個(gè)部分：第一部分為導(dǎo)論，主要介紹論文的選題背景、研究目的意義、國(guó)內(nèi)外關(guān)于擔(dān)保貸款與合作金融的理論研究以及緩解農(nóng)戶貸款難題的經(jīng)驗(yàn)和文章結(jié)構(gòu)等。第二部分主要介紹了農(nóng)戶小額擔(dān)保貸款的相關(guān)概念特征及理論基礎(chǔ)。第三部分介紹了農(nóng)戶擔(dān)保貸款現(xiàn)狀并分析了其在當(dāng)前發(fā)展中存在的問(wèn)題。第四部分根據(jù)實(shí)地調(diào)研數(shù)據(jù)，實(shí)證分析了影響農(nóng)戶擔(dān)保貸款實(shí)施的主要因素。第五部分從農(nóng)民專業(yè)合作社法人地位、經(jīng)濟(jì)基礎(chǔ)和組織優(yōu)勢(shì)等方面出發(fā)，研究農(nóng)民專業(yè)合作社參與農(nóng)戶小額擔(dān)保貸款的優(yōu)勢(shì)和可行性，根據(jù)農(nóng)村金融環(huán)境構(gòu)建農(nóng)民專業(yè)合作社擔(dān)保貸款的農(nóng)戶擔(dān)保貸款新機(jī)制，，并從完善法律法規(guī)、健全社會(huì)服務(wù)組織、建立風(fēng)險(xiǎn)補(bǔ)償機(jī)制及加大財(cái)政補(bǔ)助等方面提出具體的風(fēng)險(xiǎn)控制措施。第六部分主要介紹了促進(jìn)農(nóng)民專業(yè)合作社擔(dān)保貸款健康發(fā)展的對(duì)策建議。 本文的研究結(jié)果：第一，通過(guò)實(shí)地走訪和調(diào)研獲得數(shù)據(jù)，運(yùn)用多分類有序LOGIT模型分析了農(nóng)戶擔(dān)保貸款影響因素，得出戶主文化程度、農(nóng)戶家庭勞動(dòng)力數(shù)量、農(nóng)戶家庭年收入以及是否參加農(nóng)民專業(yè)合作社是影響農(nóng)戶擔(dān)保貸款的主要因素；第二，根據(jù)農(nóng)村金融環(huán)境現(xiàn)狀，結(jié)合農(nóng)民專業(yè)合作社在農(nóng)村的組織優(yōu)勢(shì)，構(gòu)建農(nóng)民專業(yè)合作社擔(dān)保貸款新機(jī)制；第三，從政府財(cái)政注資、引導(dǎo)和鼓勵(lì)農(nóng)村金融機(jī)構(gòu)大膽創(chuàng)新、建立健全農(nóng)村社會(huì)中介服務(wù)組織、大力推廣農(nóng)業(yè)保險(xiǎn)和建立健全農(nóng)村信用征信體系等方面加強(qiáng)政府對(duì)農(nóng)民專業(yè)合作社參與農(nóng)戶小額信貸擔(dān)保這一創(chuàng)新?lián)C(jī)制的支持。
[Abstract]:The report of the 18th CPC National Congress stressed that efforts should be made to increase farmers' income and maintain a sustained and rapid increase in their income.Rural finance is an important guarantee for the development of rural economy and the increase of farmers' income, which is of great significance to solve the problem of "agriculture, countryside and farmers" and to promote the development of integration of urban and rural areas.Microfinance guarantee is an effective mechanism to reduce the risk of loan and accelerate the circulation of rural funds. However, in reality, the lack of effective collateral in rural areas and the imperfect guarantee mechanism seriously restrict the increase of farmers' income and the development of rural economy.The farmers' specialized cooperative not only has the function of improving the farmers' organization, optimizing the agricultural industrial structure and enhancing the farmers' market competitiveness, but also has the financing potential of providing guarantee for the farmers' small loans.Based on the theory of loan guarantee and field investigation data, this paper empirically analyzes the main factors that affect the guarantee loan of farmers in China, and combines with the present situation of the development of farmers' specialized cooperatives.Organizational advantages and other research on the advantages and feasibility of farmers' professional cooperatives to participate in micro-credit guarantee, combined with the actual construction of a new loan guarantee mechanism, and put forward the corresponding risk control measures.Finally, the paper puts forward the countermeasures to promote the healthy development of guarantee loans in farmers' professional cooperatives.This paper is divided into six parts: the first part is the introduction, which mainly introduces the background of the topic, the significance of the purpose of the research.The theoretical research on guaranteed loan and cooperative finance at home and abroad, and the experience and structure of the article on alleviating the difficult problem of farmers' loan, etc.The second part mainly introduces the related concept characteristics and theoretical basis of peasant household micro-guarantee loan.The third part introduces the current situation of peasant household guarantee loan and analyzes its existing problems in the current development.The fourth part empirically analyzes the main factors that affect the implementation of farmer guarantee loan according to the field investigation data.The fifth part studies the advantages and feasibility of farmers' professional cooperatives' participation in micro-guarantee loans from the aspects of legal person status, economic basis and organizational advantages of farmers' specialized cooperatives.According to the rural financial environment, we should construct a new mechanism of guaranteed loans for farmers' professional cooperatives, and improve the social service organizations by perfecting laws and regulations.Establish risk compensation mechanism and increase financial subsidies and other aspects of specific risk control measures.The sixth part mainly introduces the countermeasures and suggestions to promote the healthy development of guarantee loans in farmers' professional cooperatives.The results of this paper are as follows: first, through field visits and research, this paper analyzes the factors affecting farmers' guaranteed loan by using multi-classification and ordered LOGIT model, and obtains the education level of the head of household and the number of household labor force.The annual income of farmers and whether to join the farmers' professional cooperatives are the main factors that affect the farmers' guaranteed loans. Secondly, according to the current situation of the rural financial environment, combining the organizational advantages of the farmers' professional cooperatives in rural areas,To construct a new mechanism of guaranteed loans for farmers' specialized cooperatives; third, to inject capital into the government finances, guide and encourage rural financial institutions to innovate boldly, and establish and improve rural social intermediary service organizations.In the aspects of popularizing agricultural insurance and establishing and perfecting rural credit information system, the government should strengthen the support of farmers' specialized cooperatives to participate in the innovative guarantee mechanism of farmer's micro-credit guarantee.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43;F224

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