本文選題：農(nóng)村信用社 + 農(nóng)戶貸款　； 參考：《浙江農(nóng)林大學(xué)》2014年碩士論文

【摘要】：農(nóng)村金融是現(xiàn)代農(nóng)村經(jīng)濟(jì)的核心，中國(guó)農(nóng)村經(jīng)濟(jì)的轉(zhuǎn)型和發(fā)展離不開農(nóng)村金融的支持。長(zhǎng)期以來(lái)，中國(guó)的農(nóng)村金融市場(chǎng)在曲折中緩慢發(fā)展，農(nóng)村金融發(fā)展與農(nóng)村地區(qū)日益差異化，多元化的金融需求之間的矛盾日益突出，農(nóng)戶融資難題長(zhǎng)期存在。自2004年以來(lái)，，連續(xù)十個(gè)中央一號(hào)文件都強(qiáng)調(diào)要加快農(nóng)村金融體制改革和創(chuàng)新、提高農(nóng)村金融服務(wù)質(zhì)量和水平。 本文主要以杭州地區(qū)八家農(nóng)村信用社為研究對(duì)象，以杭州地區(qū)八個(gè)縣（市）206份抽樣農(nóng)戶調(diào)查數(shù)據(jù)為依據(jù)，運(yùn)用定性和定量分析方法，著重考察了農(nóng)戶貸款需求的特點(diǎn)，分析了農(nóng)村信用社對(duì)農(nóng)戶貸款需求的滿足程度以及當(dāng)前農(nóng)戶貸款供求矛盾的關(guān)鍵問題，為有效推進(jìn)農(nóng)村金融改革、提高農(nóng)村金融服務(wù)水平提出了對(duì)策建議。 本文研究的主要結(jié)論：第一，農(nóng)戶貸款需求存在資金需求大額化、消費(fèi)需求多元化、金融需求多樣化等特點(diǎn)。第二，從已獲貸的農(nóng)戶來(lái)看，農(nóng)村信用社的資金與服務(wù)確實(shí)起到了很重要的積極作用，增加了農(nóng)戶收入，提供了生活便利，促進(jìn)了農(nóng)村發(fā)展。第三，農(nóng)村信用社難以有效滿足農(nóng)戶貸款需求：較高的交易成本抑制了有資金需求的農(nóng)戶申請(qǐng)貸款；正規(guī)貸款產(chǎn)品結(jié)構(gòu)不合理，增加了農(nóng)戶貸款需求的流動(dòng)性風(fēng)險(xiǎn)；小額貸款的覆蓋范圍較廣，但相當(dāng)大部分農(nóng)戶的授信額度不能滿足資金需求。 為了完善農(nóng)村信用社服務(wù)農(nóng)戶貸款的作用，農(nóng)村信用社應(yīng)針對(duì)農(nóng)村市場(chǎng)發(fā)展的需求，不斷開發(fā)和創(chuàng)新金融滿足業(yè)務(wù)，逐步構(gòu)建一個(gè)發(fā)達(dá)的農(nóng)村金融滿足產(chǎn)品體系，建立健全農(nóng)村信用社的外部管理機(jī)制。
[Abstract]:Rural finance is the core of modern rural economy. The transformation and development of Chinese rural economy can not be separated from the support of rural finance. For a long time, the rural financial market in China has been developing slowly in twists and turns, the development of rural finance and rural areas are increasingly different, the contradiction between the diversified financial needs is increasingly prominent, and the problem of farmers' financing has existed for a long time. Since 2004, the first document of ten consecutive central authorities has emphasized the need to speed up the reform and innovation of the rural financial system and to improve the quality and level of rural financial services. This paper mainly takes eight rural credit cooperatives in Hangzhou area as the research object, based on the survey data of 206 sample peasant households in eight counties (cities) in Hangzhou area, using qualitative and quantitative analysis methods, the characteristics of farmers' loan demand are emphatically investigated. This paper analyzes the degree of satisfaction of rural credit cooperatives to farmers' loan demand and the key problems of the current contradiction between the supply and demand of rural loans, and puts forward countermeasures and suggestions for effectively promoting the reform of rural finance and improving the level of rural financial services. The main conclusions of this paper are as follows: first, the farmers' loan demand is characterized by large capital demand, diversification of consumption demand and diversification of financial demand. Second, from the point of view of the farmers who have been granted loans, the funds and services of the rural credit cooperatives have indeed played a very important and positive role, which has increased the income of the farmers, provided the convenience of living and promoted the development of the rural areas. Third, rural credit cooperatives are difficult to meet the demand of farmers' loan effectively: high transaction costs restrain farmers with capital demand from applying for loans, the structure of formal loan products is unreasonable, and the liquidity risk of farmers' loan demand is increased. The coverage of small loans is wide, but the credit lines of most farmers can not meet the capital needs. In order to improve the role of rural credit cooperatives in serving farmers' loans, rural credit cooperatives should continuously develop and innovate financial satisfaction services to meet the needs of rural market development, and gradually construct a developed rural financial satisfaction product system. Establish and improve the external management mechanism of rural credit cooperatives.
【學(xué)位授予單位】：浙江農(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)】：F832.4

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本文編號(hào)：1821794